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If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score. A card issuer must credit your account on the day the issuer receives your payment, unless the payment is not made according to the creditor's requirements or the delay in crediting to your account does not result ina charge.
You must notify the card issuer in writing at the address specified for billing errors when you find an error, and you must do so within 60 days after the first bill containing the error was mailed to you. For this reason, keep your receipts and promptly compare them when your bills arrive.
