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This month my due date falls on a Sunday. I mailed my credit card payment and it has not arrived there yet. If the payment is received on Monday, will it be considered late?

If your payment due date falls on a weekend or a federal holiday when the bank does not accept or receive mailed payments, any mailed payments received by the bank before the cut-off time on the following business day will be considered timely.

For example, if you mailed your payment via the U.S. Postal Service and the due date is Sunday, March 14, but the bank does not receive mail on Sundays, then your postal payment would be considered timely if it is received by Monday, March 15, before the bank's cut-off time.

However, it is important to note that

  • if the bank accepts payments by a method other than mail, such as an electronic payment, and
  • you make your payment by an alternative method, such as electronically,

then your electronic payment must be received by the bank by the cut-off time on the due date (Sunday, March 14) in order to be considered on time.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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