Credit Cards 101: Transaction Date Versus Posting Date: What’s The Difference?

When you check your credit card Statement of Account (SOA), you’ll see two dates:

The posting date is the date when your transaction is officially recorded in your credit card account and is usually reflected a business day or two after the transaction date.

The transaction date is the date when the transaction took place or the date you made the purchase.

Why does my credit card transaction say ‘unposted’ in the Metrobank App?

When you see “unposted” credit card transactions on your Metrobank App, this means that the bank has held the amount of the purchase and it has been deducted against your available credit limit.

With this, you can track your purchases and ensure that you don’t spend beyond your credit limit—and be charged an over-limit fee—even when your transactions have not yet been posted.

To make the most out of your credit card’s features and learn how you can avoid incurring fees, check out the articles below.

• Statement of Account
• Minimum Amount Due
• Finance Charges