If you do it before 8.00 pm ET, they will post it the same day. Then, if you do it after 8.00 pm ET they will post it one day after.
When you are new to Capital One and you do not like to read the terms very carefully, most likely you will miss one or more payment due dates because of this.
However, there is another option if you really need to use the money right away.
Basically you can call Customer Service and explain (or pretend) that this is an emergency and you need to have the money AVAILABLE right now.
Once you request this they will bring to the line a supervisor and will make a three way call with your bank to realease the payment in 10 minutes.
Keep in mind that they WONT do it if:
- you are past due or,
- you are over the limit
Enjoy your money!