How do CCC's feel about PIF *BEFORE* statement cuts?

[Dw4250]

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@Chris679 wrote:

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@Involver wrote:

As long as you are paying your bill on time your lender of choice will not care.

To suggest that American Express with FR you for paying your balance before a statement cut is beyond ridiculous.

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Totally agree and wish people would stop scaring everyone and convincing everyone that you need to walk around on pins and needles to keep CCCs happy.

OP pay your cards whenever YOU feel like it, on time of course.

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Exactly correct Chris and Involver.  

We sometimes forget WE are the customers!  Banks should be tip toeing to keep us happy, not the other way around.  We need to let common sense be our guide.

Of course there are extreme examples of people getting FR/AA/CLD for "no good reason".  But usually if you dig a little deeper, you will find that there is actually a reason for the lender has taken action. Either there was a bank error (certainly plausible) or more likely the person was doing something they should not have (i.e. violating the T&C; massive MS or borrowing money they had little hope of paying back)

Lenders want to make money.  Period.  End of Story.  Jettisoning good customers for dumb reasons seems contra to any good business model.

Anyway OP as others have said just pay your bills on time (every time), keep the UTL at a reasonable level (so as not to set off any DTI alarms), use your cards responsibly (i.e. no MS) and you will be golden.

And yes...paying your bill in full before the statement date is accepted by EVERY BANK ON THE PLANET...lol!!! 

[s_haliz]

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@Membersince2013 wrote:

Only company that might have a problem is Amex. Other companies MIGHT not care. Amex MIGHT FR you.

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Not true. I had made multiple payments and paid in full without any problem. FR might be triggered for unusual activities (like very large purchase, MS, close to yuor limit say 95% of usgae, etc.). Normal users should not be worried at all.  

[SunriseEarth]

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@s_haliz wrote:

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@Membersince2013 wrote:

Only company that might have a problem is Amex. Other companies MIGHT not care. Amex MIGHT FR you.

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Not true. I had made multiple payments and paid in full without any problem. FR might be triggered for unusual activities (like very large purchase, MS, close to yuor limit say 95% of usgae, etc.). Normal users should not be worried at all.  

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Some speculate that AMEX prefers one large payment over multiple small ones, but this is purely anecdotal.   Other banks specifically limit how often you can pay per month through their website (my SyncB retail cards only allow 4 payments a month, for example).   However, I've never heard of AA/FR being triggered from paying AMEX too often or too soon!