cancel
Showing results for 
Search instead for 
Did you mean: 

Having trouble paying Amex...

Moderator Emeritus

Having trouble paying Amex...

K so I've seen others post about this. Having trouble paying Amex... Is it because I've already paid my minimum due? Statement due date is the 23rd, I paid on the 16th. I wanted to pay again since I'm traveling and I was knocking on the door of the 2k internal limit I knew I had. Anyways, I could Not get a payment to work, it said that the amount I wanted to pay was invalid because it was more than the $0 that was due. So bizarre.

Anyways, I plan on calling them when I get home, in the meantime I used my check spending button and tried it for 3k and it passed approval for a 3k spending. So I can keep going til I get home without worrying about declines. For the people who had this problem before, did it clear up after your statement cycle restarted?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 1 of 10
9 REPLIES
Established Contributor

Re: Having trouble paying Amex...

If your bank has online banking, you can use it to "push" payment from your checking account, instead of "pulling" paying from your checking using AMEX website


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 2 of 10
Valued Contributor

Re: Having trouble paying Amex...


webhopper wrote:
K so I've seen others post about this. Having trouble paying Amex... Is it because I've already paid my minimum due? Statement due date is the 23rd, I paid on the 16th. I wanted to pay again since I'm traveling and I was knocking on the door of the 2k internal limit I knew I had. Anyways, I could Not get a payment to work, it said that the amount I wanted to pay was invalid because it was more than the $0 that was due. So bizarre.

Anyways, I plan on calling them when I get home, in the meantime I used my check spending button and tried it for 3k and it passed approval for a 3k spending. So I can keep going til I get home without worrying about declines. For the people who had this problem before, did it clear up after your statement cycle restarted?


Were your charges either posted or pending? Because I pay posted plus pending for Blue and I have never had a problem.  


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 3 of 10
Valued Member

Re: Having trouble paying Amex...

If its a new account you cannot make multiple payments until 30 days after setting up a checking account to bill pay your card. I called them last night Smiley Happy
Message 4 of 10
Established Contributor

Re: Having trouble paying Amex...

Was it a credit or charge card?  i did the exact same thing today (statement date 3/23).  i wanted to pay off before the balance reported.  a few charges had appeared from last couple days. i had paid three days ago in full.  i had no problem.  it was a charge card.  Gold


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 5 of 10
Frequent Contributor

Re: Having trouble paying Amex...


gallifrey wrote:
If its a new account you cannot make multiple payments until 30 days after setting up a checking account to bill pay your card. I called them last night Smiley Happy

Correct.  Furthermore, they put this same restriction in place when you change the checking account you have on file with them.  It's a pain if you switch banks often.  As othes have suggested, there is always the option of pushing a payment from the bank, though.

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Message 6 of 10
Frequent Contributor

Re: Having trouble paying Amex...

My accounts have never had this restriction. They've been happy totake my money from day 1. And I've been happy not to have them questioning a high balance lol.

Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Message 7 of 10
Mega Contributor

Re: Having trouble paying Amex...


gallifrey wrote:
If its a new account you cannot make multiple payments until 30 days after setting up a checking account to bill pay your card. I called them last night Smiley Happy

Well that sucks. I'll have to get used to that.




EQ FICO 548 3/3/16
Message 8 of 10
Senior Contributor

Re: Having trouble paying Amex...

I still can't make multiple payments and it gets a little frustrating. I generally push the payments through.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 9 of 10
Moderator Emeritus

Re: Having trouble paying Amex...

I was able to pay this morning Smiley Happy


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 10 of 10