06-13-2010 06:17 AM
A "pushed" payment almost certainly wouldn't post in 2 days.
Anywho, why are you "playing the util game?" may I ask? Are you apping for something this month? If not, who cares and why worry about your month to month util so much? Are you in fear of AA from other CCs?
Ya know, I think Amex might be all over the map on this issue, because I've read experiences that have been markedly different from mine, but when I push a payment through my bank's billpay, it posts the exact same day.
Friendly, Supportive & Respectful
"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli
06-13-2010 07:02 AM
It may depend on if AMEX is on the pre set up list of billpay payees for the bank, or something similar. Although, AMEX was on the list of payees for my bank.
Ordinarily, if you use billpay, they actually print and mail a check to the payee. So in that case it would never post more than 2-3 days off. If AMEX and the bank have a proper setup and the bank has the ability to draft the funds straight out and into the AMEX account, then it may be same day.
It has been about 2 years since I pushed a payment through AMEX's system, though, so I speak on outdated experiences, lol.
But even when I setup a payment through a CCC's online payment system, it never posts same day. Sometimes its the next day, sometimes its 2 days later. So if you have the ability to push payments through and have them post the same day, you're a luckier person than me
06-13-2010 10:51 AM
I'm looking for a house this year so I am trying to make sure my score are up. I needed a new card so that I can buy a plane ticket and having a $750 credit limit will limit me from buying the ticket i want.
Your FICO score is dynamic and will be different later in the year. No one will care what your score was this month, it's only important when they pull your score once you apply for your loan. You are overworking this, imo.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.