Question Thread - March 31, 2025

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[u/terpdeterp]

Usually I wouldn't wait until the last minute like this, but I had a new Amex card that arrived at my house tonight. How late can I typically make a transaction so that it posts as tonight (March 31) instead of tomorrow (April 1)? Or does it vary depending on the vendor? I'm trying to use up a Q1 Hilton credit.

[u/JManUWaterloo → u/terpdeterp]

23:59 EST for sure.

I’ve done 23:40 EST and it credited fine for the offer period.

YMMV if later

[u/DimaLyu → u/JManUWaterloo]

That's merchant depended from what I understand. Learned early that if I make a Grubhub order on the last day of the month it does not post on that date to make use of the Gold dining credit. There's likely more merchants like that.

[u/JManUWaterloo → u/DimaLyu]

I believe in the case of Grubhub, it’s because it uses a Pre-Auth and Capture model, so when you see the first charge it’s just a Pre-Auth, but the Capture (including tips) is later in time, which results in the credit not triggering for the month intended

[u/terpdeterp → u/JManUWaterloo]

Thanks for the DP! Fingers crossed that it works.