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Upcoming AF...I Don't Want it Reporting.

Valued Contributor

Upcoming AF...I Don't Want it Reporting.

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.

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Message 1 of 11
10 REPLIES
Moderator

Re: Upcoming AF...I Don't Want it Reporting.


indiolatino61 wrote:

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.


Just push the payment with your banks bill pay service.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 11
Valued Contributor

Re: Upcoming AF...I Don't Want it Reporting.


gdale6 wrote:

indiolatino61 wrote:

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.


Just push the payment with your banks bill pay service.


Of course...thanks Gdale. I hardly ever do that, so I forget about that option...lol...Smiley Tongue.

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Message 3 of 11
Contributor

Re: Upcoming AF...I Don't Want it Reporting.

yes u can push from your bank side but why ... credit karma just dinged me for just that .... having zero balance (only balance on chase ink bold) business .... went from a to c strange

AU->  
Message 4 of 11
Contributor

Re: Upcoming AF...I Don't Want it Reporting.

Credit Karma's algorithm grades 0% utilization as a C. But it doesn't matter since Credit Karma is a FAKO score.

Message 5 of 11
Valued Contributor

Re: Upcoming AF...I Don't Want it Reporting.


budugu wrote:

yes u can push from your bank side but why ... credit karma just dinged me for just that .... having zero balance (only balance on chase ink bold) business .... went from a to c strange


Yeah...CK scores 0% utilization lower than 1-20%. However, my AmEx is at zero, but I have my Cap1 reporting 1-9% this month...I don't have all my cards at zero. 

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Message 6 of 11
Valued Contributor

Re: Upcoming AF...I Don't Want it Reporting.

Will it be the only card reporting a balance? From my understanding, FICO also dings for 0 UTL

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 7 of 11
Valued Contributor

Re: Upcoming AF...I Don't Want it Reporting.


TheGardner wrote:

Will it be the only card reporting a balance? From my understanding, FICO also dings for 0 UTL


You are correct...but that is why I don't want it to report, since I already have my Cap1 reporting 1-9% for this month.

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Message 8 of 11
Valued Contributor

Re: Upcoming AF...I Don't Want it Reporting.

Ah, I would overpay. Only a few creditors frown on that and I don't think AMEX is one of them. I would go with the CSR on this one.

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 9 of 11
Regular Contributor

Re: Upcoming AF...I Don't Want it Reporting.

Yes, my Amex Delta Gold AF will post to my account this month, on the day the statement closes. This frustrates me every year, because I don't typically let this card report a balance to my CR, and it usually dings my score.

This year, I got smart and thought to try exactly what you're describing. I paid my current balance plus $95 and it worked. My CL shows as $30,095. So I can confirm that this will work for you.
----------------------------------------------------------
Fico Scores:
EQ - 811 (Feb '14)
TU - 829 (Mar '14)
EX - 814 (Mar '12) - Lender Pull
Message 10 of 11