Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

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.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Moderator
Posts: 27,913
Registered: ‎12-13-2013
0

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.


EX Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
EQ Fico 8 08/16; 778 (0)
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

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.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Contributor
Posts: 88
Registered: ‎04-03-2013
0

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-> RE-Entering the Garden -> 03/07/2014
Contributor
Posts: 92
Registered: ‎02-02-2014
0

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.

Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

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. 

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Valued Contributor
Posts: 1,422
Registered: ‎01-12-2014
0

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.
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

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.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Valued Contributor
Posts: 1,422
Registered: ‎01-12-2014
0

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

[ Edited ]

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.
Regular Contributor
Posts: 187
Registered: ‎01-18-2011
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.