If you’ve paid off your credit card but have no available credit, the card issuer may have put a hold on the account because you’ve gone over your credit limit, missed payments, or made a habit of doing these things. Other possible reasons could include making an unusually large payment, having a new credit card account, or making a payment from a newly-linked bank account. If none of these things apply, it’s likely that the payment simply hasn’t posted yet.
The payment won’t be reflected in the available credit until it is posted. Payments made through the card issuer’s website or mobile app during business hours should be posted in one day or less, while a mailed check will obviously take longer to reach the card issuer. If you need to know exactly how long a payment will take to post, it's always a good idea to call your card issuer.
Each credit card issuer has the authority to determine when an account's available credit will be replenished after the balance is paid. Depending on the card issuer, the payment method, and the payment date, a payment can take one to seven business days to be reflected in the card's available credit, or even longer in some cases.
However, these aren’t the only reasons your credit card’s available credit might not reflect a recent payment. If none of these apply to your situation, the holdup could be nothing more than a mistake.
This answer was first published on 03/24/20 and it was last updated on 03/28/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
