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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

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
fused
Posts: 16,243
Registered: ‎03-12-2007

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.
Frequent Contributor
CreditCard101
Posts: 401
Registered: ‎02-23-2009

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
llecs
Posts: 32,880
Registered: ‎08-04-2007

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
fused
Posts: 16,243
Registered: ‎03-12-2007

Re: Question on Amex charges

You might want to talk with Amex to find out what your "real secretive card limit is".
Established Contributor
Watchmann
Posts: 985
Registered: ‎05-14-2008

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
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Question on Amex charges

Congrats on your new card.....
Moderator Emeritus
fused
Posts: 16,243
Registered: ‎03-12-2007

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.

Regular Contributor
CHARGE_IT
Posts: 193
Registered: ‎07-13-2008

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
FocusOnFICO
Posts: 180
Registered: ‎05-01-2009

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.

 

 


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