I just ran into something that smells & looks just a little bit fishy.

I pay my bill using Billpay electronically. I realized (to my horror) that I hadn't immediately scheduled my First USA United bill to be paid as soon as I received it, and it was due on Sunday, 8/3. Luckily, I remembered on 7/31 & sent the payment that day.

Billpay sends the payments electronically to First USA. Under normal conditions the payment is posted to my account 2 days after I send it. For example, if I send it on Wed (transacations happen after 4pm) it will post to my account on Friday. I verified this between Billpay & my FUSA account for a few months.

Well, 7/31 was a Thursday and yesterday I didn't see my payment posting so I called. I asked why my due date was on a Sunday when payments aren't processed on the weekend. They said that they process 7 days a week. I then asked why my electronic payment wasn't posted yet since it was in their account since Thursday night. They replied that it would probably post Monday when the system updated.

Surprise of all surprises - it posted on Monday and is visible to me today with an 8/4 posting date.. Techincally, 1 days late. The CS rep said that they give a one day grace period.

My questions - Wasn't FUSA sued for having due dates on the weekends when payments aren't processed and also for not processing payments received after 9am on the due date?

This issue really is bugging me because they had my money for 4 days before posting it to my account.

I very rarely use the card anymore because of this issue, and will most likely start looking for another Visa because of this. Unfortunately, it is now our primary means of getting United miles since I'm not flying as often.

Suggestions?

Mary