(Replace 11/3/25: In a current change, Capital One now does regulate your autopay. Up to date beneath.)

Lots of people arrange auto-pay on their bank cards to keep away from the potential for ever paying a late charge. That works nicely for ‘regular folks,’ however for us sophisticated of us it’s not at all times so easy.

What occurs for those who make a partial fee earlier than the auto-pay kicks in to release some credit score restrict or to make use of up a cash order or some other motive. Does the financial institution routinely regulate the auto-pay and solely pull the remaining quantity owed on the invoice? Or do they proceed to drag the total quantity of the assertion invoice?

Notice: for those who repay the steadiness or a part of it earlier than the assertion closes, the financial institution won’t ever pull greater than the assertion invoice. Lots of people prefer to repay the steadiness or most of it earlier than assertion shut in order that it gained’t negatively influence their credit score rating. (This problem is just for private playing cards; for many enterprise playing cards there no motive to repay earlier than assertion shut.)

It’s important to know this information since when you have a $10,000 assertion steadiness and manually repay $8,000, and the financial institution proceeds to drag the total $10k, you may find yourself with overdraft charges out of your financial institution for those who don’t have a full $10,000 in your checking account.

This is a matter I’ve regarded into prior to now, and simply received a kick within the pants from @milesperday to do a put up about. I personally don’t use auto-pay in any respect; simply posting information factors that I’ve seen from others.

Amex

Amex will regulate the auto-pay and solely pull the quantity due.

Financial institution of America

A few information factors (1, 2, 3) point out that Financial institution of America will proceed to do the auto-pay for the total assertion steadiness, even for those who pay it off partially or utterly manually.

Different information factors point out (1, 2) the reverse that for those who make a fee with BofA – even a partial fee – they’ll cancel the auto-pay utterly.

BofA does appear to have the ability to refund the fee straight again to your checking account (no want for a bodily examine), in order that’s good. On one other word, everybody speaking about BofA auto-pay mentions that it’s a royal ache to arrange.

Barclay’s

Barclay will proceed to do the auto-pay for the total assertion steadiness, even for those who pay it partially or completely beforehand (1).

Capital One

Capital One will regulate the auto-pay and solely pull the quantity due. (For years Capital One wouldn’t regulate, however in October 2025 they despatched out discover of this replace that they’d now regulate.)

Capital One will at all times proceed to do the auto-pay for the total assertion steadiness, even for those who make funds beforehand (1, 2, 3, 4). One information level says (1) the reverse.

Chase

Chase will regulate the auto-pay and solely pull the quantity due (1, and heard from a buddy).

Citi

Many information factors point out that Citi does regulate your auto-payment if paid partially or absolutely (1, 2, 3, 4, 5, 6). (counter information level)

Uncover

Uncover will cancel the auto-pay when absolutely paid up beforehand (2, 3)., and can regulate the auto-pay when partially paid beforehand (1).

Synchrony

Synchrony will regulate your auto-pay based mostly on current funds (1).

Goal Credit score Card (TD Financial institution)

The Goal card will proceed to do the auto-pay for the total assertion steadiness for those who pay it partially earlier than, however provided that you continue to have a steadiness on the cardboard within the quantity of the auto-pay. They’ll by no means pull greater than your whole steadiness and produce your card steadiness into unfavorable. (1, 2)

Presumably, all TD Financial institution auto-pays will work the identical.

US Financial institution

US Financial institution will proceed to do the auto-pay for the total assertion steadiness, even for those who pay it partially earlier than. In case you pay in full they don’t pull any fee (1). Presumably the Constancy bank card and different Elan playing cards will work like US Financial institution playing cards.

Wells Fargo

Wells Fargo  will regulate the auto-pay and solely pull the quantity due (1).

Abstract

To summarize, Citi, Chase, Amex, and Uncover regulate your auto-pay to mirror current funds. Different banks may pull the total quantity even for those who paid partially. In some instances, they’ll solely do that in case your steadiness gained’t go unfavorable (i.e. they’ll by no means pull greater than you really owe in the intervening time of the pull), and in some instances they gained’t do the pull for those who paid off the total quantity for the reason that assertion closed.

Watch out there together with your auto-pays! In case you do have a knowledge level so as to add, attempt to be as clear as doable, together with for those who paid off utterly or partially and when it occurred.