topic Re: amex amazon points and minimum payment in Business Credit

amex amazon points and minimum payment

acreditdummy123 — Sat, 10 Dec 2022 08:19:40 GMT

i paid 95% of my balance off before the statement closing date and then amex won't post my points at statement closing date because i didn't pay off the minimum balance..... why does amex play these dumb games. lol. can i ask a chat rep to post my points?

Re: amex amazon points and minimum payment

simplynoir — Sat, 10 Dec 2022 08:53:04 GMT

@acreditdummy123 wrote:
i paid 95% of my balance off before the statement closing date and then amex won't post my points at statement closing date because i didn't pay off the minimum balance..... why does amex play these dumb games. lol. can i ask a chat rep to post my points?

It doesn't matter if you paid 99.99% of your balance before the closing date if you don't pay the minimum payment due after the statement posts. Until then AMEX holds the points, they are not playing "dumb games" this is clearly stated in the T&C when you applied for the card. You can attempt to ask them if they can post your points but I wouldn't hold out hope for that

https://www.americanexpress.com/content/dam/amex/us/rewards/amazon-rewards/program-agreement.pdf

Re: amex amazon points and minimum payment

OmarGB9 — Sat, 10 Dec 2022 18:02:18 GMT

@simplynoir wrote:
@acreditdummy123 wrote:
i paid 95% of my balance off before the statement closing date and then amex won't post my points at statement closing date because i didn't pay off the minimum balance..... why does amex play these dumb games. lol. can i ask a chat rep to post my points?
It doesn't matter if you paid 99.99% of your balance before the closing date if you don't pay the minimum payment due after the statement posts. Until then AMEX holds the points, they are not playing "dumb games" this is clearly stated in the T&C when you applied for the card. You can attempt to ask them if they can post your points but I wouldn't hold out hope for that

https://www.americanexpress.com/content/dam/amex/us/rewards/amazon-rewards/program-agreement.pdf

This. As annoying as it is, it's what we signed up for, literally.

Re: amex amazon points and minimum payment

FinStar — Sat, 10 Dec 2022 20:19:08 GMT

@acreditdummy123 wrote:
i paid 95% of my balance off before the statement closing date and then amex won't post my points at statement closing date because i didn't pay off the minimum balance..... why does amex play these dumb games. lol. can i ask a chat rep to post my points?

As mentioned upthread, AmEx doesn't "play these dumb games". It is clearly spelled out on their T&C's as far as how points redemptions work. Did you review the card agreement? Or, is the Amazon AmEx in the same category you described previously for NFCU as far as points redemptions 🤔

Re: amex amazon points and minimum payment

simplynoir — Sat, 10 Dec 2022 20:48:39 GMT

OP, want to hear more "dumb games" by AMEX? According to the T&C If you don't make the minimum payment you forfeit those points gained that statement period to AMEX. And while you can get them back you'll have to call and cough up around $35 as a fee to get them to post on your account

I don't see the problem with paying what's due to get what you want from them

Re: amex amazon points and minimum payment

OmarGB9 — Sat, 10 Dec 2022 21:01:03 GMT

@simplynoir wrote:
OP, want to hear more "dumb games" by AMEX? According to the T&C If you don't make the minimum payment you forfeit those points gained that statement period to AMEX. And while you can get them back you'll have to call and cough up around $35 as a fee to get them to post on your account

I don't see the problem with paying what's due to get what you want from them

Wow I missed that part.

Re: amex amazon points and minimum payment

acreditdummy123 — Sun, 11 Dec 2022 22:45:15 GMT

@FinStar wrote:
@acreditdummy123 wrote:
i paid 95% of my balance off before the statement closing date and then amex won't post my points at statement closing date because i didn't pay off the minimum balance..... why does amex play these dumb games. lol. can i ask a chat rep to post my points?
As mentioned upthread, AmEx doesn't "play these dumb games". It is clearly spelled out on their T&C's as far as how points redemptions work. Did you review the card agreement? Or, is the Amazon AmEx in the same category you described previously for NFCU as far as points redemptions 🤔

ah, yes. the slowpoke bank as i like to call it now

Re: amex amazon points and minimum payment

acreditdummy123 — Sun, 11 Dec 2022 08:11:43 GMT

@simplynoir wrote:
OP, want to hear more "dumb games" by AMEX? According to the T&C If you don't make the minimum payment you forfeit those points gained that statement period to AMEX. And while you can get them back you'll have to call and cough up around $35 as a fee to get them to post on your account

I don't see the problem with paying what's due to get what you want from them

💀💀💀💀 amex needs to stop with these dumb games. seriously

Re: amex amazon points and minimum payment

FinStar — Tue, 13 Dec 2022 02:40:55 GMT

@acreditdummy123 wrote:
@simplynoir wrote:
OP, want to hear more "dumb games" by AMEX? According to the T&C If you don't make the minimum payment you forfeit those points gained that statement period to AMEX. And while you can get them back you'll have to call and cough up around $35 as a fee to get them to post on your account

I don't see the problem with paying what's due to get what you want from them
💀💀💀💀 amex needs to stop with these dumb games. seriously

Maybe stop using their card (or close it)? ...if you don't like the T&Cs (which you acknowledged and accepted when you clicked 'submit' during the application process). It's that simple 😀

But, then again...

https://ficoforums.myfico.com/t5/Credit-Cards/Happy-Thanksgiving-Your-thankful-for-this-Approval/m-p/6618220#M1834751

https://ficoforums.myfico.com/t5/Business-Credit/Problems-with-AMEX-once-my-global-limits-exceeded-100k/m-p/6589730#M44119

Re: amex amazon points and minimum payment

acreditdummy123 — Tue, 13 Dec 2022 12:10:46 GMT

@FinStar wrote:
@acreditdummy123 wrote:
@simplynoir wrote:
OP, want to hear more "dumb games" by AMEX? According to the T&C If you don't make the minimum payment you forfeit those points gained that statement period to AMEX. And while you can get them back you'll have to call and cough up around $35 as a fee to get them to post on your account

I don't see the problem with paying what's due to get what you want from them
💀💀💀💀 amex needs to stop with these dumb games. seriously
Maybe stop using their card (or close it)? ...if you don't like the T&Cs (which you acknowledged and accepted when you clicked 'submit' during the application process). It's that simple 😀

But, then again...
https://ficoforums.myfico.com/t5/Credit-Cards/Happy-Thanksgiving-Your-thankful-for-this-Approval/m-p/6618220#M1834751

https://ficoforums.myfico.com/t5/Business-Credit/Problems-with-AMEX-once-my-global-limits-exceeded-100k/m-p/6589730#M44119

business was slow, picked up, and then realized the lame games amex was playing. they are back on ice