What you’ll see on your card page
Available Spend Power
This is the amount you can spend right now. It updates in real time as payments, deposits, and purchases are processed.
Current Balance
This shows the total amount you’ve spent that still needs to be repaid.
Pending Payment
A pending payment is a payment you’ve made toward your current balance.
It may take 1–3 business days to settle.
Once it clears, your current balance will update automatically.
Pending Deposit
A pending deposit is money that’s on its way into your account (like a transfer or paycheck).
Pending deposits increase your spend power as soon as they’re received.
They do not automatically pay off your current balance—but once the funds clear, you can use them to make a payment from the Card tab.
FAQs
Q: Why do pending deposits increase spend power but not pay my balance?
A: Deposits add money to your account, which gives you more to spend. But they don’t automatically go toward your credit card balance. Once the funds clear, you can use them to make a payment toward your balance manually.
Q: When will my pending payment apply?
A: Usually within 1–3 business days. Once it clears, you’ll see your balance updated.
Q: Can I use a pending deposit right away?
A: Not yet. It needs to settle first before it boosts your spend power.