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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Question on Amex charges

Recently received a new Amex Green and finally decided to use it yesterday. Despite using it over 24 hrs ago, I don't see my purchase when I log into my account. How soon do charges show up?

 

And to confirm, Amex charge accounts aren't factored into utilization, right? And their reporting is a month behind?

Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Question on Amex charges

In most instances, charges will appear online within 72 hours. Amex charge cards only factor in util with the TU 98 scoring model. Yes, they report at least a month behind.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 401
Registered: ‎02-23-2009
0

Re: Question on Amex charges

I have Amex Blue Sky, its depend. Amex can be fast or really slow. Sometime it takes less than 24 hours and sometime 2-3 days. That's how I notice on my account..

 

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Question on Amex charges

Thanks for the input. I'm not used to this card yet. I'm used to looking at the avail. limit on other CC websites if transactions aren't yet showing.
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Question on Amex charges

You might want to talk with Amex to find out what your "real secretive card limit is".
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 991
Registered: ‎05-14-2008
0

Re: Question on Amex charges


fused wrote:
You might want to talk with Amex to find out what your "real secretive card limit is".

 

That number is nebulous at best.  It is dynamic and constantly changing, you won't get AMEX to give you a definitive answer. The answer is, 'it depends'.
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Question on Amex charges

Congrats on your new card.....
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Question on Amex charges


Watchmann wrote:

fused wrote:
You might want to talk with Amex to find out what your "real secretive card limit is".

 

That number is nebulous at best.  It is dynamic and constantly changing, you won't get AMEX to give you a definitive answer. The answer is, 'it depends'.

Not so! I have always known mine, ask the right person.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 193
Registered: ‎07-13-2008
0

Re: Question on Amex charges

You are correct about this. One can seek and acquire such a number, but like you, I know after twenty seven years of use, the answer would emulate the Fico score in its "snapshot" focus.

 

Definitely not a number one would want to seriously use for any purpose I can imagine.

 

Good luck,

CI

 


Watchmann wrote:

fused wrote:
You might want to talk with Amex to find out what your "real secretive card limit is".

 

That number is nebulous at best.  It is dynamic and constantly changing, you won't get AMEX to give you a definitive answer. The answer is, 'it depends'.

 

 
Regular Contributor
Posts: 180
Registered: ‎05-01-2009
0

Re: Question on Amex charges

Congrats on the card.

 

My Gold Card account posted transactions usually within 48 hours and my Blue Cash the same.  Interestingly, my payments post within 24 hours, although I use my CU's bill pay.

 

 


Starting Score: TU 766 EQ 788
Current Score: TU 788 EQ 811
Goal Score: TU 800 EQ 800


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