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post-dating of payment to CC

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I read this in a thread, and did not see a definitive answer--is it illegal for a payment to be made online and for the cc to "hold" posting by a couple of days, thereby flagging a "late" payment fee?

Orchard is especially BAD about this...I made an online payment on Friday (before 4pm EST) that would not be posted until Tuesday...

I guess I should have coughed up the $12.95 "rush phone fee" to save a $30 late fee??


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