Jan 31, 2017, 10:50 pm
Last edit by: ed765
This is the thread for 2017. The previous discussion can be found here.
Successful Credit Cards Used (Posted as Purchase)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa
Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Wawanesa USA Insurance
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16
Restrictions
New VISA payments are not being accepted for mortgages.
Successful Credit Cards Used (Posted as Purchase)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa
Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Wawanesa USA Insurance
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16
Restrictions
New VISA payments are not being accepted for mortgages.
Plastiq for rent, tuition, utilities, etc.(2017)
May 23, 2017, 9:04 am
#316
Join Date: Sep 2005
Location: Columbia, SC
Programs: AA Plat, SPG/Marriot Gold, HHonors Diamond, Hyatt Expl
Posts: 2,363
May 23, 2017, 9:37 am
#317
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
I spaced the payments out by at least 10 days - 2 weeks and each processed as the regular payment as instructed.
Now, if I had just sent them one check for 12K then the extra beyond the normal 3K payment would have all just gone to the principal.
May 23, 2017, 9:55 am
#318
Join Date: Dec 2004
Posts: 7,903
Correct. What I did, was separate transactions with instructions in the Notes line: Regular June 2017 Payment, Regular July 2017 Payment, etc.
I spaced the payments out by at least 10 days - 2 weeks and each processed as the regular payment as instructed.
Now, if I had just sent them one check for 12K then the extra beyond the normal 3K payment would have all just gone to the principal.
I spaced the payments out by at least 10 days - 2 weeks and each processed as the regular payment as instructed.
Now, if I had just sent them one check for 12K then the extra beyond the normal 3K payment would have all just gone to the principal.
May 23, 2017, 10:51 am
#319
Join Date: Dec 2009
Posts: 70
Over payments
Lucky your company let you do that..... Seems from what i have read any additional amounts in a month counts towards principal.... Plus Lucky they listened to your instructions otherwise would have been a headache to unravel....
Congrats and good 36k pts run!
Congrats and good 36k pts run!
Correct. What I did, was separate transactions with instructions in the Notes line: Regular June 2017 Payment, Regular July 2017 Payment, etc.
I spaced the payments out by at least 10 days - 2 weeks and each processed as the regular payment as instructed.
Now, if I had just sent them one check for 12K then the extra beyond the normal 3K payment would have all just gone to the principal.
I spaced the payments out by at least 10 days - 2 weeks and each processed as the regular payment as instructed.
Now, if I had just sent them one check for 12K then the extra beyond the normal 3K payment would have all just gone to the principal.
May 23, 2017, 10:56 am
#320
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
My first two payments were standalone, and then the third was using the discount code. I plan on SM'ing the rep to change the note in a few weeks in the hopes that they will be able to change the month.
May 23, 2017, 11:00 am
#321
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
Wells has always been pretty flexible with the payment allocation. I am paid every two weeks so I routinely make extra payments to principle. When I changed jobs last year I didn't want the extra payment to go to principle only, but to be treated as next month's regular payment so I checked online and found that if you waited until the loan 'reset' (for lack of a better term) from one payment, I would be able to pay the next month's payment early. I took a shot that they would do the same with the physical check from Plastiq and it has worked well (so far!).
May 23, 2017, 7:40 pm
#322
Join Date: Sep 2012
Posts: 4,431
I've prepaid on Flagstar as well, and a quick phone call to have them allocate the extra funds to future months.
May 24, 2017, 6:37 am
#323
Join Date: Jun 2009
Posts: 2,135
how many days is it taking to pay citi mortgage?
May 24, 2017, 7:10 am
#324
Join Date: Oct 2015
Location: BOS, PVD, HYA
Programs: MR, TYP, AA, B6, DL, WN, HH, MB, 2V
Posts: 658
May 24, 2017, 8:22 am
#325
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
May 24, 2017, 9:35 am
#326
Join Date: Oct 2015
Location: BOS, PVD, HYA
Programs: MR, TYP, AA, B6, DL, WN, HH, MB, 2V
Posts: 658
May 24, 2017, 10:26 am
#327
Join Date: Sep 2012
Posts: 4,431
My sister signed up relatively recently and said that when she tried to pay her mortgage one time last week, Plastiq offered first month free if 6 months were scheduled. My account already got the first month free (4 more months to pay), but I can sign up another family member if that 1st month free offer is still around. If I sign up my wife, I wonder if I can cancel my schedule and use her account to pay our mortgage and get 1st month free? Or perhaps this will raise eyebrows over at Plastiq...
May 24, 2017, 10:26 am
#328
Join Date: Oct 2015
Posts: 49
My datapoint from October is out of date. Plastiq sends funds to Citi Mortgage electronically now and is MUCH faster. My latest data point is:
Card Processed: May 2, 2017
Processing: May 3, 2017
Complete: May 3, 2017
Payment posted by CitiMortgage: May 4, 2017
Card Processed: May 2, 2017
Processing: May 3, 2017
Complete: May 3, 2017
Payment posted by CitiMortgage: May 4, 2017
May 24, 2017, 2:57 pm
#329
Join Date: Oct 2015
Location: BOS, PVD, HYA
Programs: MR, TYP, AA, B6, DL, WN, HH, MB, 2V
Posts: 658
May 24, 2017, 2:58 pm
#330
Join Date: Nov 2014
Location: USA
Posts: 1,084
I've had had the account for a while but only used it once for a one time payment few years ago
I missed the promos last year because I didn't have CSR or ATT More cards then. Now that I'm ready I don't see anything new. Maybe I should delete the account and re sign up
I'd have to see some more DPs on free six payments though
I missed the promos last year because I didn't have CSR or ATT More cards then. Now that I'm ready I don't see anything new. Maybe I should delete the account and re sign up
I'd have to see some more DPs on free six payments though