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Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

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:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Prepaying Amex?

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

100% Ficos: EX 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Valued Contributor
navigatethis12
Posts: 1,851
Registered: ‎01-24-2012

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.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350

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