topic Re: American Express Reporting and Receiving Card in Credit Cards

American Express New Cardholder Information

Anonymous — Tue, 10 Nov 2015 21:03:05 GMT

I've heard that American Express can often take 2-3 months to report a new account to the credit bureaus. Since I'm expecting my new card soon, would love to hear others' experiences re/ how long it took to receive your card, and also how long your Amex account took to report to the credit bureaus. Thank you!

Also, are there additional tips and information for new Amex cardholders that would be helpful for us to know? Please share

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:25:49 GMT

Took about a week to get my ED, and I got my PRG in 2 days.

Both cards took two billing cycles, I believe, to report.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:27:51 GMT

Did you request to have the PRG early? If not, it's odd that that one came faster than your other card. Maybe once you're in the club they send you additional cards faster?

Re: American Express Reporting and Receiving Card

ddemari — Fri, 06 Nov 2015 15:30:54 GMT

when i got an amex last year the card came super fast, like 3-4 days but it didnt report to CRA's for at least 60 days.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:33:22 GMT

No, I didn't request it. It's my understanding the charge cards get overnighted to you.

Re: American Express Reporting and Receiving Card

scmami — Fri, 06 Nov 2015 15:35:34 GMT

Thanks for posting this! I am waiting for 2 new Amex cards myself.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:38:46 GMT

Thank you, everyone!

Another quick Amex question also -how long does Amex normally take for charges to post, and payments to post on the card?

I always prefer quick posting for both charges and payments, and I have some cards that post both charges and payments very quickly, and others that take forever (Synchrony, I love you, but you are in the latter group in terms of charges posting and payment posting speed!)

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:42:37 GMT

Charges take a couple business days to post. Payments tend to post next day, if made early in the day, but your available credit reflects the payment immediately.

Re: American Express Reporting and Receiving Card

takeshi74 — Fri, 06 Nov 2015 15:46:10 GMT

@Anonymous wrote:
I've heard that American Express can often take 2-3 months to report a new account to the credit bureaus. Since I'm expecting my new card soon, would love to hear others' experiences re/ how long it took to receive your card, and also how long your Amex account took to report to the credit bureaus.

To accomplish, what? You're going to find the same thing. It varies.

@Anonymous wrote:
Another quick Amex question also -how long does Amex normally take for charges to post, and payments to post on the card?

As stated above typically a business day or two but it it's not just a matter of AmEx but the retailer as well. Next day for payments.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 16:10:27 GMT

@Anonymous wrote:
Charges take a couple business days to post. Payments tend to post next day, if made early in the day, but your available credit reflects the payment immediately.

Thanks, jdt, this is helpful to know. Citi also reflects the payment immediately in the available credit on my Double Cash. I love how they do that immediately after I make a payment.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 15:46:16 GMT

@scmami wrote:
Thanks for posting this! I am waiting for 2 new Amex cards myself.

You're welcome, scmami! It's exciting to be a new Amex cardholder and to find out the ins and outs of how things have worked for others.

Re: American Express Reporting and Receiving Card

Discover2016 — Fri, 06 Nov 2015 15:58:16 GMT

Both my BCE and Green took exactly a week to arrive, the Green took almost 3 cycles to report, the BCE was quicker, once cycle I believe.

Re: American Express Reporting and Receiving Card

Anonymous — Fri, 06 Nov 2015 17:26:28 GMT

Any other tips for new Amex cardholders would be great to know! Thank you

Re: American Express New Cardholder Tips

Ghoshida — Fri, 06 Nov 2015 17:38:55 GMT

@Anonymous wrote:
I've heard that American Express can often take 2-3 months to report a new account to the credit bureaus. Since I'm expecting my new card soon, would love to hear others' experiences re/ how long it took to receive your card, and also how long your Amex account took to report to the credit bureaus. Thank you!

Also, are there other tips for new Amex cardholders that would be helpful for us to know?

Which card do you have? If it's one of the EveryDay / Blue Cash cards, the cashback / points take 2 statements to post. I've the BCP (upgraded from BCE) and it's the slowest of the cashback postings that I've ever seen. Also, keep an eye out for missing cashback. Sometimes, their software can work up. I had an experience in my first year with them, at a Whole Foods where the statement didn't consider it as groceries and the CSR had the audacity to say that Whole Foods was not considered by AMEX as groceries (supermarkets) - when it was explicitly stated on their website under groceries / supermarkets.

Their offer statement credits show up within a day or two though ($50 off $250 type deals).

Don't trust their CSRs - unless you're a Platinum cardholder. One of them told me to strictly not apply for a CLI before another 181 days when I applied 2 days too early and got denied because of ineligibility. And there's the Whole Foods story. My other experiences have been mostly "meh".

AMEX doesn't like balances. Utilizing their 0% promo APR was the reason I got declined with any CLI attempt in my first year with them. They seem to be fine if all you do is use their card on the category spend: I spent all my 6k supermarket limit at supermarkets and that's all I did - and they bumped me to $25k (I didn't ask for more because of tax forms etc).

Their website doesn't seem to work well when you have multiple cards (even AU cards). If you want to get the free FICO, make sure you only register one card, get the free FICO, then try with the second or third card (when you get it). The website is known to revert to older designs when adding more than one card - and the CSRs have absolutely no clue (one more reason I think AMEX CSR is overhyped). I don't know if this issue was later resolved through proper tech - I didn't have the patience to find out.

Hope it helps.

Re: American Express New Cardholder Tips

Anonymous — Fri, 18 Dec 2015 05:04:27 GMT

Thank you for the great information, Ghoshida.

This is especially helpful to know:

Utilizing their 0% promo APR was the reason I got declined with any CLI attempt in my first year with them.

My new cards are Amex Delta Gold and BCP (both), but I know that others with different cards will appreciate the tips you provided as well.

Re: American Express New Cardholder Tips

Anonymous — Fri, 06 Nov 2015 17:56:01 GMT

It took about 5 days to receive my Delta Gold and it started reporting to CRAs about 2 months after activation.

Re: American Express New Cardholder Tips

jsucool76 — Fri, 06 Nov 2015 18:28:24 GMT

Took about 18 hours to receive my PRG, few days for my platinum (weekend)

Re: American Express New Cardholder Tips

Anonymous — Fri, 06 Nov 2015 19:13:28 GMT

@jsucool76 wrote:
Took about 18 hours to receive my PRG, few days for my platinum (weekend)

18 hours? Holy Speedy! LOL

Re: American Express New Cardholder Tips

Anonymous — Fri, 06 Nov 2015 19:18:07 GMT

@Anonymous wrote:
@jsucool76 wrote:
Took about 18 hours to receive my PRG, few days for my platinum (weekend)
18 hours? Holy Speedy! LOL

Sounds as if jsucool was counting them down

Re: American Express New Cardholder Tips

Anonymous — Fri, 06 Nov 2015 19:22:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@jsucool76 wrote:
Took about 18 hours to receive my PRG, few days for my platinum (weekend)
18 hours? Holy Speedy! LOL

Sounds as if jsucool was counting them down

LOL he sure was huh? I thought I was bad. Listen any time I know that I am getting something in the mail (that I want), I am a wreck. Constantly asking for tracking updates, etc. It's ridiculous.