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AMEX FR

Valued Contributor

AMEX FR

Think I am going to trigger a FR?

 

I just got the AMEX HHonors card a few days ago and I am already over 50% utilization. Think this will trigger a FR? Or is this a okay way to show them my usual spending habits? Should I force a payment through from my bank since they will not allow a payment until the first statement posts?

 

Thanks for any help.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
17 REPLIES
Valued Contributor

Re: AMEX FR

You can call Amex and have them process the payment.

Valued Member

Re: AMEX FR


Dustink wrote:

Think I am going to trigger a FR?

 

I just got the AMEX HHonors card a few days ago and I am already over 50% utilization. Think this will trigger a FR? Or is this a okay way to show them my usual spending habits? Should I force a payment through from my bank since they will not allow a payment until the first statement posts?

 

Thanks for any help.


That's a nice way to prove the income you put in the app was legit Smiley Tongue. Did you try to make payment online? I had no issues making payments before 1st statement posted, but YMMV.

Frequent Contributor

Re: AMEX FR

I don't think it really matters...as long as you are making personal charges and staying within your limit, Amex should be OK. They gave you the limit they did for a reason. It seems to me that people usually get hit with a FR when they pay multiple times during a cycle so they can run more than their limit through the card. Another big reason a FR gets triggered is if you use a personal card for business expenses.

Senior Contributor

Re: AMEX FR

I was able to make a payment before my first statement cut... I don't see why they wouldn't let you?.... Have you tried to? 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
Super Contributor

Re: AMEX FR

Almost no CCCs will allow you to "PULL" a payment through their site before the first statement, you can however push it through your bank.



Senior Contributor

Re: AMEX FR



well...

I actually did make a $50 to Amex BEFORE my first statement even cut.. it was on Friday night after 7pm, and it actually did post that night :-) They didn't even take it out til this morning. My statement did cut yesterday, and I got my first statement today though.. so it was very close.....

 

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
Senior Contributor

Re: AMEX FR

payment*

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
Valued Contributor

Re: AMEX FR


tacaza wrote:

Dustink wrote:

Think I am going to trigger a FR?

 

I just got the AMEX HHonors card a few days ago and I am already over 50% utilization. Think this will trigger a FR? Or is this a okay way to show them my usual spending habits? Should I force a payment through from my bank since they will not allow a payment until the first statement posts?

 

Thanks for any help.


That's a nice way to prove the income you put in the app was legit Smiley Tongue. Did you try to make payment online? I had no issues making payments before 1st statement posted, but YMMV.


I made a small payment already (even before I had the card). I was just testing the payment system. That went through. Now it won't let me make a payment on their site. I pushed one through from my bank account. I will see if that works.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor

Re: AMEX FR

And there is your answer/reason.  Most people can make 1 payment on the site prior to the first statement cuts.  Happened to me too.  i made another payment through my bank and it was fine.  i can make muliple payments via the amex site now...

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13