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Amex Payments

Valued Contributor

Re: Amex Payments

AMEX payments take forever to post, but my available credit is normally updated to reflect the payment instantly...

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 11 of 22
Senior Contributor

Re: Amex Payments

+1@Ryan!
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 12 of 22
Valued Contributor

Re: Amex Payments


youngandcreditwrthy wrote:
+1@Ryan!

IMO Amex has the best payment system of anyone I have worked with!

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 13 of 22
Senior Contributor

Re: Amex Payments

Yeah, I agree! I love that it posts right away to my avail cred!!
From a credit risk standpoint, it makes sense that they'd allow this given that they cater to customers who are a better credit risk generally...
Ive never even gotten near my limit though! 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 14 of 22
Valued Contributor

Re: Amex Payments

+1. They immediately reflect the available credit too.

 

[edit: YaCW is quick]



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 15 of 22
Senior Contributor

Re: Amex Payments

I think Im going to go make a pmt right now haha :-P
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 16 of 22
Frequent Contributor

Re: Amex Payments

They say you can only make one payment your first month but I made one over the phone and one via the iPhone app.
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Message 17 of 22
Valued Contributor

Re: Amex Payments


youngandcreditwrthy wrote:
I think Im going to go make a pmt right now haha :-P

I charged within 100.00 of the limit on my platinum Delta for the first two months and PIF after the statement cut, haven't used it yet since the last statement and just paid it off...  3X CLI time in 6 more days LOL

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 18 of 22
Valued Contributor

Re: Amex Payments

This is my first month with the Delta gold, and I have paid in full twice. I paid in full and didn't realize that 10.50 had not posted, so, when I noticed that it posted, I paid it. The day before my statement cut. Amex posted my payment immediately and my first statement cut with a zero balance -- before the money was even out of my checking acct. It isn't much, but I was impressed. Walmart posted a balance of 2.15 four days after I paid it...lol.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 19 of 22
Regular Contributor

Re: Amex Payments


jamesdwi wrote:

 

During the first month after you have setup your bank account you can't make more than one payment unless a payment is due. But you can push money to AMEX as much as you like from your bank account. I don't think they care. In fact some people that had hard limits were forced to make weekly if not daily payments to stay under the limit. Not sure how AMEX internal scoring system rates multiple payments. The one thing AMEX does hate is carying a balance on revolvers from month to month.  

 

 


I don't see how that would make sense. So in other words Amex, a company known for charge cards, creates and issues revolvers, but god forbid if you carry a balance on a product designed to carry a balance. Now if you said Amex hates high balances, or multiple balances then maybe what you said would make more sense.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 20 of 22