Section 16a-2-104 - [Effective 1/1/2025] (UCCC) Payment credit date(1) A creditor shall credit a payment to the consumer's account on the date of receipt, except when a delay in crediting does not result in a finance charge or other charge.(2) Notwithstanding subsection (1), if a creditor specifies, in a writing delivered to the consumer, reasonable requirements for the consumer to follow in making payments, but accepts a payment that does not conform to those requirements, then the creditor shall credit the payment within five days after receipt. Amended by L. 2024, ch. 6,§ 39, eff. 1/1/2025. L. 1999, ch. 107, § 4; July 1.This section is set out more than once due to postponed, multiple, or conflicting amendments.