Yesterday I paid off my honeymoon cruise in full with my new AMEX BCP. $2200 cruise payment, $5000 credit line. As soon as I saw the cruise payment pending on my AMEX card I paid $2150 from my savings account onto my AMEX so I wouldn't show such a huge balance on the card for a long period of time, especially not on my first close date.
Well, my payment posted first! Now my balance on my AMEX card is over negative $2000, lol.
I was wondering - has anyone ever experimented with how something like that would impact a credit score? What if your overall utilization was -2%, lol.
Interesting thought as I have never had more than a few dollars overpaid anything. But unless your AMEX account is due for your monthly statement very soon, it is more likely they won't report a negative balance at all - more likely a zero balance. And therefore no difference to your utilization.
Any time this has happened to me, such as returning something after I've paid the bill, it has reported as $0.
As others have mentioned, it will report as a zero balance.