Originally Posted by friedablass

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However, in the past I have seen complaints here and there from other members where the charge posted with a 1/1 date and the credit came out of the new year's bucket. So that's why I said it can go either way. Have seen the same complaints with monthly, quarterly, or bi-annual credits where they were attempted to be used on the last day of the period and the charge posted in the new period with the credit coming out of the new bucket. That's why, if possible, it is advisable not to wait until the last day to use any credits to avoid this issue.