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Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: AMEX FR

Has anyone noticed how fast Amex payments post??

I literally just paid my first Amex bill in full, and it was reflected in my avail credit in less than two hours!!!!

 

:-D

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
navigatethis12
Posts: 1,930
Registered: ‎01-24-2012
0

Re: AMEX FR


youngandcreditwrthy wrote:

Has anyone noticed how fast Amex payments post??

I literally just paid my first Amex bill in full, and it was reflected in my avail credit in less than two hours!!!!

 

:-D


It is available as soon as I hit submit. I did it once and charged it right back up and though it would get declined but it did not. I am surprised they do this since there is no way for them to be able to see if you actually have the money that fast.

Established Member
kha916
Posts: 17
Registered: ‎03-09-2013
0

Re: AMEX FR

Sometimes I PIF multiple times before the statement cuts, just because I'm usually pretty busy and don't want forget a payment. Amex seems to not have no problme with it. 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: AMEX FR

***old thread alert***

 

But to give an opinion on the subject as long as your paying your bill on time and in full I would not worry at all about an FR.




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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: AMEX FR

Got my BCE, in first week I used 60% util. After the charges posted, I PIF. Before the 1st statement cut and within the first week of getting the card. 

 

Since then, I charge another 50% of util and PIF as soon as it posted.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: AMEX FR

I made a payment to my SPG after 2 weeks of getting it using. For some reason online wouldnt let me pay but i was able to do it using the app.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: AMEX FR

It appears as though Ive commented enough on this subject. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member
Creditseeker93
Posts: 119
Registered: ‎02-06-2013
0

Re: AMEX FR

AMEX gave me low 2K limit but My first payment just cut and it had a $1200 balance. Aso the card itself has $400 limit left since I've used it a lot for grocery shopping.

Should I stop using it? I don't want to trigger FR. Also wondering what is a good spot utilization wise to remain in so that I don't raise any flags ? I'm not sure they'll be so happy to see my CSP reporting tomorrow with $8000 credit used out of 10K (even though I'm going to pay it in full)

I usually pay once I receive the statement and always pay in full.

Also weird thing is AMEX hasn't soft pulled me even once after their initial approval which was hard inquiry for the application
***AMEX PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $8,500 (AU)*****

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