Re: American Express Newbie Question

Anonymous · ‎08-12-2010

Good morning all,

So I got an AMEX Blue Sky card this past month. I got paid today and went online to pay it in full, however, it won't let me make a payment at all. Can I not make a payment on it until I get the statement? Will it then always report a balance id I use it during the month?

Thanks!

haulingthescoreup · ‎08-12-2010

You can't make a payment on the American Express site until the first statement generates.

However, if your banking account has an online bill-pay feature, you can "push" a payment into AmEx from there.

If you know (or think you know) when your first statement is due, stop using the card 7 or 8 days beforehand, wait to make sure that everything has posted, and then use your online billpay to pay the balance 3 or 4 days before you think the statement will drop.

This is only if you don't want a balance to post the first month.

Once you have your first statement, you'll be able to pay on the AmEx site without a problem.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

bakalao2k · ‎08-12-2010

@haulingthescoreup wrote:
You can't make a payment on the American Express site until the first statement generates.

However, if your banking account has an online bill-pay feature, you can "push" a payment into AmEx from there.

If you know (or think you know) when your first statement is due, stop using the card 7 or 8 days beforehand, wait to make sure that everything has posted, and then use your online billpay to pay the balance 3 or 4 days before you think the statement will drop.

This is only if you don't want a balance to post the first month.

Once you have your first statement, you'll be able to pay on the AmEx site without a problem.

+1

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10

Anonymous · ‎08-12-2010

Thanks! I appreciate the information.

eparker · ‎08-12-2010

Hi SaraLucy....had a question. When you were approved for your Amex with your scores, did you any baddies on you CR. If so, how many.

Thnx....

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Anonymous · ‎08-12-2010

Hi there,

Yes, 3 medical collections.

Iincognito · ‎08-12-2010

@haulingthescoreup wrote:
You can't make a payment on the American Express site until the first statement generates.

However, if your banking account has an online bill-pay feature, you can "push" a payment into AmEx from there.

If you know (or think you know) when your first statement is due, stop using the card 7 or 8 days beforehand, wait to make sure that everything has posted, and then use your online billpay to pay the balance 3 or 4 days before you think the statement will drop.

This is only if you don't want a balance to post the first month.

Once you have your first statement, you'll be able to pay on the AmEx site without a problem.

Hi SarahLucy,

Just to add to what haulingthescoreup said... Yes, generally, you will need to wait until your statement cycles before making that first payment, however I was able to make a few payments before my first statement cycled with a supervisor's approval. I have a screenshot of the Payment History screen, but I am trying to figure out how to attach it...