How Long Does a Credit Card Payment Take?

Most credit card payments take 1–3 business days to show as fully posted.

If you pay from the same bank as your credit card, it can be immediate or up to 2 business days.

Payments from another bank or by cheque can take 3–7 business days (sometimes longer).

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Why Payments Take Time

A payment usually has two steps:

• Your payment is received (sent from your bank or payment method)

• It posts to your credit card account (shows up in your account activity)

Sometimes your available credit updates first, and the payment shows as “posted” later.

Typical Timelines in Canada

These are common timeframes you will see:

• Paying from the same bank (online/app transfer): often immediate credit, but can take up to 2 business days to post.

• Bill payment from another bank or third-party: often 3–4 business days.

• Cheque or some “unverified” payment types: often 5–7 business days.

• Weekends and holidays: can delay things to the next business day.

What to Do If Your Due Date Is Close

• Pay through your bank or card issuer’s online banking/app if you can (it is usually faster).

• Make at least the minimum payment even if you cannot pay it all.

• Keep your payment confirmation.

• If you are worried it will be late, call the card issuer and ask what they see on their end.