topic Re: AMEX pmt not required at this time...ugh in Credit Cards

AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 11:54:26 GMT

So my first statement hasn't cut on my AMEX yet. I made one payment a couple days ago, paid my cell phone bill with the AMEX to get the promotion, and then went back to try and pay off the cell phone bill. I keep getting "payment not required at this time." The charges ARE posted. I did some searches around here (most results from 2012) saying they limit you mid-cycle payments when you're new. I'm guessing this is still the case? Anyway around this? My statement cuts the 6th and I was really trying to pay this off.

Re: AMEX pmt not required at this time...ugh

aussiesareforever — Sat, 04 Jun 2016 11:56:42 GMT

Odd. They let me make a payment before my first statement was generated. The website did say payment was not required but I was still able to make one without any problems.

However, unless you need to free up your credit limit, you can wait until your statement is generated. Or have the money pushed through from your bank.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:03:40 GMT

@aussiesareforever wrote:
Odd. They let me make a payment before my first statement was generated. The website did say payment was not required but I was still able to make one without any problems.

However, unless you need to free up your credit limit, you can wait until your statement is generated. Or have the money pushed through from your bank.

I was able to make 1 payment, but not 2.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:02:20 GMT

I ran into this problem with the BCP. I'm an authorized user that made the charges and it had been posted for awhile. It would not let me pay it. Just kept saying AmEx payment not required at this time. Logged on under my wife and was able to make the payment with no problem. No sure what the issue was.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:06:13 GMT

They'll limit you until your account ages. The way around it is to push a payment thru with the bill payment option from your bank or just wait. Not really a huge issue just to wait until the payment is due and you get to take advantage of the grace period.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:08:49 GMT

I'm working on keeping my util down, so that's a bummer. Oh well

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:17:20 GMT

1. No need to worry about reporting a zero balance before the first statement cuts because Amex is slow to report (new accounts report to CRAs shortly after 2nd or 3rd statement cut)

2. You don't need to pay off the cell phone bill to receive the promotional discount (I charged a cell phone bill and I was given the 10% off two days after it posted).

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:20:05 GMT

@Anonymous wrote:
1. No need to worry about reporting a zero balance before the first statement cuts because Amex is slow to report (new accounts report to CRAs shortly after 2nd or 3rd statement cut)

2. You don't need to pay off the cell phone bill to receive the promotional discount (I charged a cell phone bill and I was given the 10% off two days after it posted).

1. is a good point! They ARE slow to report. Thanks!

Re: AMEX pmt not required at this time...ugh

Anonymous — Sat, 04 Jun 2016 12:47:37 GMT

You can call and make a phone payment. The CSR's can make a addition payment when your account is new.

Re: AMEX pmt not required at this time...ugh

deltatee — Sat, 04 Jun 2016 13:05:55 GMT

You can force a payment through your bank's online bill pay program. In my experience, if you pay though bill pay Amex accepts the payment and credits your account even when it isn't allowing a payment on the website.

Re: AMEX pmt not required at this time...ugh

CreditCuriosity — Sat, 04 Jun 2016 15:48:21 GMT

You can call them and they can force a payment through if you are stuck at 1 a month on their website during your first 30 days. Many ways to skin a cat. Push a payment and/or call or as others stated you cannot worry about it as amex is slow to report.

Re: AMEX pmt not required at this time...ugh

Imperfectfuture — Sat, 04 Jun 2016 16:13:12 GMT

@aussiesareforever wrote:
Odd. They let me make a payment before my first statement was generated. The website did say payment was not required but I was still able to make one without any problems.

However, unless you need to free up your credit limit, you can wait until your statement is generated. Or have the money pushed through from your bank.

This. Also happens when you add new bank account. My bill pay from Alliant is fast, 3 days even mailing check. They will allow one payment (I have also called, and got payment forced over the phone). This also applies to small business cards. IF it has been 15 days from last payment with new account, they may open up a brief window to pay. Otherwise, utilization has no memory, let the statement cut as is, then pay away after 30 days.

Re: AMEX pmt not required at this time...ugh

RonM21 — Sun, 05 Jun 2016 16:29:56 GMT

Calling them seems like a reasonable solution. I can't imagine they would not take payment if you called. Then again....

Re: AMEX pmt not required at this time...ugh

Anonymous — Sun, 05 Jun 2016 17:03:27 GMT

known issue (or known way it works i guess)

for the first 30 days your bank account has been added (for this specific card) they only let you make a payment like once every 7+ days..... Once you've had a payment account attached for >30 days, you'll be able to make payments as frequently as you desire.

You can call and have them process a payment over the phone if you want in the meantime. There is no restriction on that.

Re: AMEX pmt not required at this time...ugh

core — Sun, 05 Jun 2016 18:52:23 GMT

Lots of responses that are not relevant. OP first posted Saturday 6/04. He/she said that their statement cuts on Mon 6/06. Even if he/she had pushed a payment through the day he/she posted this thread, it would not have made it on time. Not from any bank/CU.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sun, 05 Jun 2016 18:58:15 GMT

This is interesting as my BCP which I have had for a little over 60 days I have spent around $2400 and made 18 payments over the period keeping it at $0 Balance? Never had an issue with making even multiple payments in the same week. I guess it might be a YMMV thing.

Re: AMEX pmt not required at this time...ugh

Anonymous — Sun, 05 Jun 2016 19:08:52 GMT

It's because you're new. They will let you make as many as you want once they get to know you and your patterns. That happened to me with a few cards. Always a warning that I cannot make another payment that soon. I think they're afraid since they post so soon that it could be returned. Discover did the same thing too. After a couple of months I was able to make 1k payments daily with no problem. Yes, I know sounds whacky. But wasn't sure if I wanted to pay it all off or leave a balance!

Re: AMEX pmt not required at this time...ugh

Anonymous — Sun, 05 Jun 2016 21:37:32 GMT

@Anonymous wrote:
It's because you're new. They will let you make as many as you want once they get to know you and your patterns. That happened to me with a few cards. Always a warning that I cannot make another payment that soon. I think they're afraid since they post so soon that it could be returned. Discover did the same thing too. After a couple of months I was able to make 1k payments daily with no problem. Yes, I know sounds whacky. But wasn't sure if I wanted to pay it all off or leave a balance!

This is what I gathered during my searches. Oh well! I decided to let it go since my 1st statement *probably* *hopefully* *shouldn't* report, since they are slow to report. Thanks everyone for your suggestions! And maybe this will bring awareness to some newer AMEX members. I would've just waited and made 1 payment had I known.

Re: AMEX pmt not required at this time...ugh

Rebuilding69 — Sun, 05 Jun 2016 22:38:33 GMT

Yeah it took them nearly 3 months to add my card to my reports.

Re: AMEX pmt not required at this time...ugh

Imperfectfuture — Sun, 05 Jun 2016 23:51:03 GMT

@core wrote:
Lots of responses that are not relevant. OP first posted Saturday 6/04. He/she said that their statement cuts on Mon 6/06. Even if he/she had pushed a payment through the day he/she posted this thread, it would not have made it on time. Not from any bank/CU.

Relevance is in the eye of the beholder. It's nice to know for the future, since if keep card long term, will probably add another bank account.