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In practice, many card companies accept online payments on weekends and holidays.
In addition, the law ended the practice of establishing early cutoff times on the due date, says Chi Chi Wu, staff attorney with the National Consumer Law Center. or later in the time zone where they accept payments.
Another question revealed that 46 percent of respondents said they occasionally forgot to pay bills on time, even though they had enough money in their bank accounts.
Experts say it's likely these trends have continued in recent years, as card companies have made paying online easier.The law did not specify a time, just any time after 5. Banks declined to discuss how they set their cutoff times.In practice, major card companies specify their due times in the Eastern time zone and enforce that time nationwide, so people in the Pacific, Mountain or Central zones have local due times that are earlier, as early as 2 p.m. Consumer groups say the issue of cutoff times on the last day rarely arose when the law was debated in 2009. Eastern See related: How to change your credit card bill's due date, Timing is everything for some credit card payments We encourage an active and insightful conversation among our users.Time that card issuers must receive online payments for same-day credit: Bank of America: p.m. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.The editorial content on Credit is not sponsored by any bank or credit card issuer.Remember though, the introductory balance transfer rate lasts for six months from the date your account is opened (3% handling fee), not from the date you transfer your balance.