<p>I just submitted my application to Penn, but when I went to make the credit card payment, it said that the effective date was january 3rd.
Will my application be late?</p>
<p>That happened to me, too, so I and looked at the Common App thread. Someone there said that as long as it shows that it was downloaded/completed by today, you should be okay. You might want to look at the Common App thread for some reassurance :)</p>