Answers about Credit Card Payments and Late Payments

I made a payment, but it has not shown up on my credit card / home equity line of credit / personal lines of credit statement. What can I do?

Notify the bank that your payment has not been posted to your account. You should be prepared to provide documentation showing that you made the payment, such as a copy of the cancelled check or a copy of confirmation of an electronic payment.

You also should file a written billing error dispute with the bank. Use the address specified after “Send Billing Inquiries to:” on the back of the statement. This address is usually different from where you send your payment.

You should file your written dispute within 60 days of the date the bank mailed the statement on which you believe the credit should have appeared.

March 2010