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AMEX FR

Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 11 of 18
Highlighted
Valued Contributor

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.

Message 12 of 18
Established Member

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. 

Message 13 of 18
Mega Contributor

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.




EQ FICO 548 3/3/16
Message 14 of 18
Valued Contributor

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%
Message 15 of 18
Valued Contributor

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)
Message 16 of 18
Senior Contributor

Re: AMEX FR

It appears as though Ive commented enough on this subject. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 18
Valued Member

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)*****
Message 18 of 18