@Creditaddict wrote:Couple Things... You are not black listed as long as you pay all balances closed our not... But Amex will not let you open more accounts or get CLI if you have anything negative with your accounts in last 6 months, this includes returned payments, late payments, Sign and Travel being removed from your charge card, or hard limits set on charge card or cld on revolving cards.
Next, you actually mailed a "check" or you paid through Amex online with your bank account linked?
Did the payment get returned once or did it get returned 3 times no pay and you then made a late payment or made a different payment in the days or weeks after the returns?
The thing about Amex is if you know the money is not there, I would always call and say the deposit clears on blah blah date, my payment is due before that on this date... can we process the payment on blah blah date.... especially with charge card accounts they usually have a little window that is fine to them if you pay and they don't have issues with that... but if you set up payment and they just keep submitting it each day and all come back returned... then they are not so happy and probably getting pretty expensive on your end having it returned over and over again... Amex will put through payments 3 times!
all good questions