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Valued Contributor
indiolatino61
Posts: 1,483
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.

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Valued Contributor
gdale6
Posts: 9,404
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 Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 11/14: 793
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Valued Contributor
indiolatino61
Posts: 1,483
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...:smileytongue:.

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Contributor
budugu
Posts: 84
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
New Contributor
policebox
Posts: 87
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
indiolatino61
Posts: 1,483
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. 

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Established Contributor
TheGardner
Posts: 815
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: 720 for all in 2014.
TU - 762 EX - 704 EQ - 706 myfico 3 score watch

In the Garden Last APP Oct 23, 2014. Last HP the great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Valued Contributor
indiolatino61
Posts: 1,483
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.

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Established Contributor
TheGardner
Posts: 815
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: 720 for all in 2014.
TU - 762 EX - 704 EQ - 706 myfico 3 score watch

In the Garden Last APP Oct 23, 2014. Last HP the great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Regular Contributor
avv7c0
Posts: 179
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.
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EX - 814 (Mar '12) - Lender Pull

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