Payment Crediting Check

Live. Was the payment really late? Reg Z crediting rules: 5 p.m. cut-off, next mail day, 21-day statements, method fees.

Send up to 5,000 open-end or credit card payments with due date, receipt date and time, method and any fee charged. Applies 12 CFR 1026.10: credit as of the receipt date, a cut-off no earlier than 5 p.m., the bank-branch closing rule, a due date with no mail delivery or in-person acceptance moves to the next business day, non-conforming payments credited within 5 days, the 60-day address-change window, and no fee to pay by phone on credit cards unless it is an expedited representative-assisted payment. Also checks the 21-day statement rule (14 days for some open-end plans) from 1026.5(b)(2)(ii). Returns on time, late or violation with the late fee and finance charge to reverse. Not legal advice. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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