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Prepaying Amex?

Established Contributor

Prepaying Amex?

I have a charge that is taking forever to clear and my statement closes on 2nd. Do you think it will send any redflags if I make a $500 payment when it shows my balance at zero incase the charge clears right when the statement cuts? If so, how will it be reported showing a credit?

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 1 of 7
6 REPLIES
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Valued Contributor

Re: Prepaying Amex?

If you want to force a payment, go for it.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 2 of 7
Established Contributor

Re: Prepaying Amex?


Dustink wrote:

If you want to force a payment, go for it.



What do you mean 'force'? It looks like it will allow me to make the payment on Amex website, despite my balance showing 0.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 3 of 7
Established Contributor

Re: Prepaying Amex?

Nevermind. I think amex saw this thread because now I have a $700 balance..lol

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 4 of 7
Valued Contributor

Re: Prepaying Amex?

No, it doesn't send up any red flags. Cards that report when you have a credit balance will report as zero.

Message 5 of 7
Mega Contributor

Re: Prepaying Amex?

Forcing a payment is using your banks bill pay option to 'force' AMEX to take a payment. Nothing wrong with doing it.




EQ FICO 548 3/3/16
Message 6 of 7
Established Contributor

Re: Prepaying Amex?


LS2982 wrote:

Forcing a payment is using your banks bill pay option to 'force' AMEX to take a payment. Nothing wrong with doing it.


Thanks for that info for the future. I just paid that $716 balance so it will report zero. This $2000 limit is for the birds but Amex just won't increase it!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 7 of 7