topic Re: Amex - I had a payment due on Sept 9 in Credit Cards

Amex - I had a payment due on Sept 9

runningtally — Thu, 11 Sep 2008 21:50:37 GMT

I had a payment due Sept 9. I forgot all about it, and paid today on the 11.

Is this going to hurt me, will they mark it as 30 days late. Are there any issues, I should be concerned about.

Darn been so good and forgot this one completely.

Re: Amex - I had a payment due on Sept 9

haulingthescoreup — Thu, 11 Sep 2008 22:03:06 GMT

Unlike other banks, I don't think that they would report this as 30 days. They might well put some sort of whump on you internally, though.

I'd clench any relevant muscles and call them up, and be prepared to grovel.

Re: Amex - I had a payment due on Sept 9

Anonymous — Thu, 11 Sep 2008 22:08:33 GMT

I'd give them a call ASAP if I were you, and try to pre-empt them doing nasty things to your interest rate, CL, etc. Maybe if you call up and are super-sweet and lovely and lay it on thick about how horribly embarrassed you are and explain that this is totally out of character and so on, and how much you would hate a little slip-up like that to damage your relationship with AmEx, you might just get a nice CSR who can work some magic to stop any Bad Things that might otherwise happen.

Good luck!

Message Edited by fevmlo on 09-11-2008 06:08 PM

Re: Amex - I had a payment due on Sept 9

Anonymous — Thu, 11 Sep 2008 22:42:34 GMT

Totally agree!

fevmlo wrote:
I'd give them a call ASAP if I were you, and try to pre-empt them doing nasty things to your interest rate, CL, etc. Maybe if you call up and are super-sweet and lovely and lay it on thick about how horribly embarrassed you are and explain that this is totally out of character and so on, and how much you would hate a little slip-up like that to damage your relationship with AmEx, you might just get a nice CSR who can work some magic to stop any Bad Things that might otherwise happen.

Good luck!

Message Edited by fevmlo on 09-11-2008 06:08 PM

Re: Amex - I had a payment due on Sept 9

Anonymous — Fri, 12 Sep 2008 02:24:00 GMT

Amex is really good about not reporting 2-day late payments to the CB's. I've had a couple of incidents like this before I became interested in my credit, and nothing ever really happened. they may have ratejacked me, though, looking at some of the finance charges on my old statement. i would say that cost me about $80 plus the $38 late payment fees over 3 or 4 months. i got a card conversion to the clear and my interest rate was lowered again, though.

Re: Amex - I had a payment due on Sept 9

ficonovice — Fri, 12 Sep 2008 13:07:33 GMT

If it's truly only 2 days late, I don't think any cc company can report that as 30 days late to the bureaus. Back in the day when I didn't focus so much on FICO scores I used to pay between 1-29 days late and would only pay once every 2 months on my cards. My "late" payment always included the previous month and the next month. I always had late fees, but not any 30 day lates on my reports...

Re: Amex - I had a payment due on Sept 9

Anonymous — Fri, 12 Sep 2008 13:19:40 GMT

As the other posters have stated, Amex shouldn't report you as 30 days late.

However, you may be flagged internally for FR, AA, or anything else weird they do they we haven't found out yet.

I would definitely call them and explain the situation. That can't do anything but help.

Re: Amex - I had a payment due on Sept 9

Anonymous — Fri, 12 Sep 2008 13:23:47 GMT

They will not even charge you a late fee unless you don't nake a payment prior to the statement date.

I hope you PIF the balance and do so each month-

Amex does not report lates until they consider you in default.

Re: Amex - I had a payment due on Sept 9

smallfry — Fri, 12 Sep 2008 18:08:32 GMT

I would call them up yesterday and grovel. My fear would be that even if you got a sweetheart CSR who promised you the world you still might get flagged for a F/R internally. Good luck. This is why I am glad I have OCD and check my accounts two times each day.