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@Anonymous wrote:
I have an AMEX charge card through work (it doesn't report) and I've been wondering: what happens if you DON'T PIF when due? My statements always say that payment is due in full immediately, but usually I pay online before I even get the statement, so I don't really worry about it, but no where in any paperwork can I find what happens if I only pay part. Do they charge interest, or just fees, or do they just sue you for the balance?
If the balance is not paid in full, they will pretty much slap a red flag on your account and charge you late fees and etc while demanding immediate payment. However, if you miss another payment in the future, they will probably assign your account to Nationwide for collections. Apparently it has happened to a couple of people here.