topic Re: AMEX - Can I make a payment after due date if not past due? in Credit Cards

nevermind.

Anonymous — Sun, 08 Apr 2018 05:29:47 GMT

Update - Got answer. No need for anyone else to waste time trying to figure this thread out.

My account is current. I am carrying a balance.

Today is the last day I can make a payment even though no payment is due.

My statement ends next Thursday. It will let me make a payment today but I can't schedule one. Am I right in thinking thinking that I can log in Friday or Saturday and manually make a payment for that day even though it's after my due date?

I just tried asking a CSR and this guy seriously talked in circles and made no sense. All he seemed to want to do was take a payemnt from me or change my due date. My due date wasn't an issue.

Re: AMEX - Can I make a payment after due date if not past due?

SunriseEarth — Thu, 05 Apr 2018 08:08:28 GMT

@Anonymouswrote:
My account is current.

My statement ends today. It will let me make a payment today but I can't schedule one. Am I right in thinking thinking that I can log in Friday or Saturday and manually make a payment for that day even though it's after my due date?

I just tried asking a CSR and this guy seriously talked in circles and made no sense. All he seemed to want to do was take a payemnt from me or change my due date. My due date wasn't an issue.

If you login Friday or Saturday, you'd be in a new statement period and would be able to schedule a payment. IIRC, AMEX doesn't let you schedule a payment after your due date for your current statement period. Of course, you could always push a payment from your bank side.

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Thu, 05 Apr 2018 15:04:23 GMT

@SunriseEarth
But my new statement doesn't start until next week. So how would I be in a new statement period on Saturday?

Re: AMEX - Can I make a payment after due date if not past due?

SarahJo — Thu, 05 Apr 2018 16:06:01 GMT

@AnonymousMy statement ends today.
wrote:
@SunriseEarth
But my new statement doesn't start until next week. So how would I be in a new statement period on Saturday?

You're current, but your balance is obviously not at zero, so you're carrying a balance correct? Also, which is it with your statement? Amex, for me, ends and cuts within a day or two...not a week. Sorry if I'm not understanding what your getting at.

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Thu, 05 Apr 2018 16:15:44 GMT

Correct, I am current and not past due. The account is carrying a balance that I don't want to report when the statement cuts.

The statement cuts next Thursday.

My other cards like Discover let you make payments up until the statement cuts..even if it is the day it cuts. (Not that it's a good idea) Does Amex not allow this? I guess I never noticed before because I never tried it.

Re: AMEX - Can I make a payment after due date if not past due?

MrDisco99 — Thu, 05 Apr 2018 16:48:57 GMT

I've never had any problems doing that.

It could be a problem, though, if it's a new account or a new payment account. Amex typically only allows one payment before statement closing in the first month of having registered a new payment method. After that you can use it whenever and as often as you want.

Re: AMEX - Can I make a payment after due date if not past due?

Meanmchine — Thu, 05 Apr 2018 18:38:50 GMT

Amex lets you make a payment 24/7. I dont understnd. Are you trying to pay unposted transactions? For me, I can make a payment at 8am, by 5 pm it has already hit my checking account, and fully posts the next day

Re: AMEX - Can I make a payment after due date if not past due?

HeavenOhio — Thu, 05 Apr 2018 20:10:58 GMT

AMEX will let you pay toward pending transactions. The only thing I can think of that might restrict the OP is a new payment account.

Re: AMEX - Can I make a payment after due date if not past due?

Gregory1776 — Fri, 06 Apr 2018 20:39:35 GMT

@HeavenOhio wrote:
AMEX will let you pay toward pending transactions. The only thing I can think of that might restrict the OP is a new payment account.

My conclusion as well.

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Fri, 06 Apr 2018 21:20:43 GMT

Thanks. I logged in today and still have the option of submitting a payment. My payment account hasn't changed. I wasn't trying to pay pending transactions.

The confusion seems to be that you can't schedule one ahead of time..as in you can't pick a future date on the calender. (Or maybe it's like that for me because it's still a new account)

But if you click "Continue", you can still submit a payment to be paid at that time. If I log in today, I have to make the payment today. I can't schedule a payment for tomorrow or next week. I hope that finally makes sense.

So, everything is good.

Re: AMEX - Can I make a payment after due date if not past due?

Gregory1776 — Fri, 06 Apr 2018 21:24:52 GMT

My statement closed at $0. I don’t have an option to pay in the future either. Could this be why?

Re: AMEX - Can I make a payment after due date if not past due?

SunriseEarth — Sat, 07 Apr 2018 09:22:50 GMT

@Anonymous wrote:
@SunriseEarth
But my new statement doesn't start until next week. So how would I be in a new statement period on Saturday?

I must have misread what you said. I thought it read that your statement closed this Thursday. In any case, you would be unable to schedule a future payment until your next statement.

Re: AMEX - Can I make a payment after due date if not past due?

UpperNwGuy — Sat, 07 Apr 2018 11:06:40 GMT

This whole thread has me confused, and I'm guessing an Amex customer service rep would also be confused.

Re: AMEX - Can I make a payment after due date if not past due?

SouthJamaica — Sat, 07 Apr 2018 13:45:47 GMT

@Anonymous wrote:
My account is current. I am carrying a balance.

Today is the last day I can make a payment even though no payment is due.

My statement ends next Thursday. It will let me make a payment today but I can't schedule one. Am I right in thinking thinking that I can log in Friday or Saturday and manually make a payment for that day even though it's after my due date?

I just tried asking a CSR and this guy seriously talked in circles and made no sense. All he seemed to want to do was take a payemnt from me or change my due date. My due date wasn't an issue.

You can make a payment any time you want.

Re: AMEX - Can I make a payment after due date if not past due?

AppHappyTog — Sat, 07 Apr 2018 18:39:26 GMT

How old is the account?
I’ve never had issues, in my first 30 days it wanted to only let me make one payment due to being new but I just called and was golden.
I can make payments anytime. My SPG currently shows as -$600 because I’ve paid my pending charges already.
Last month I paid my BCE the day the statement cut and it posted and reported the $20 balance I left on.

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Sun, 08 Apr 2018 02:15:41 GMT

I think the OP is trying to schedule a payment for a week in advance even though his/her current balance is $0. And there are pending transactions. Or there are no pending transactions but there is a balance but the minimum due at this time is $0 .In which case I would think OP can set up recurring payments but would have to make a payment at the time to do so. Im not 100% as I'm a little confused as to the question as well. To me it would seem a lot easier to just mark your calendar that day and pay your bill. Or just pay it now if you have the money, which I'm assuming they don't since they are trying to schedule it a week away .If they do have the money now then just make payment now .I can make a charge on my amex card and immediately make payment while the charge is still pending. Not sure what the OP is truly wanting though . but hopefully this helps .

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Sun, 08 Apr 2018 05:28:02 GMT

Yeah, can a mod just close this thread so people stop getting confused and wasting their time trying to figure out something I already got an answer to? I appreciate the attempts to help but I did update that I got my answer so nobody really needs to waste time and energy trying to figure out the riddle anymore. I guess Gregory is the only one who got it.. lol

I don't know any other way to word it than I already did and I already got my answer.

Apparently there is a difference between scheduling one at a future date vs paying at the exact moment you log in as I tried to show in the picture I posted..and this thread is still confusing people. Well, it is confusing and stupid because I've never seen it on Cap1, BOA or Discover.

/End of thread. (I hope)

Re: AMEX - Can I make a payment after due date if not past due?

Anonymous — Sun, 08 Apr 2018 05:36:47 GMT

I requested a mod close thread per your request.