topic Re: American Express Question in Credit Cards

American Express Question

Dyinglight — Mon, 03 Mar 2014 00:56:33 GMT

Is it okay to pay american express payments before charges post? Do they have anything against people who do this sort of thing? I cant do this with others like discover or capital one.

Re: American Express Question

-Wade- — Mon, 03 Mar 2014 00:59:52 GMT

@Dyinglight wrote:
Is it okay to pay american express payments before charges post? Do they have anything against people who do this sort of thing? I cant do this with others like discover or capital one.

They won't let you pay before it post.

Re: American Express Question

Uppingmyscore — Mon, 03 Mar 2014 01:00:30 GMT

I personally didn't know you could do this. Oh well I probably want be doing this anyway.

Re: American Express Question

Dyinglight — Mon, 03 Mar 2014 01:07:45 GMT

Interesting. They let me send them a payment before anything posted.

Edit: Infact sending a payment before the charges posted also increased my limit back up to 3000$ immediately.

Re: American Express Question

-Wade- — Mon, 03 Mar 2014 01:06:23 GMT

@Dyinglight wrote:
Interesting. They let me send them a payment before anything posted.

ok my bad...... Like you said i know Discover wont and i though amex was the same way.

Re: American Express Question

Jeff007245 — Mon, 03 Mar 2014 01:09:43 GMT

You can't make payments without a posted balance.

You can make payments on a balance.

You can overpay on the balance to reflect pending charges.

You can overpay as much as you want so long as any balance is posted. (for future purchases)

Re: American Express Question

Uppingmyscore — Mon, 03 Mar 2014 01:09:07 GMT

So are you saying you had a zero balance and you made a payment before the transaction posted to your account? Is this correct?

Re: American Express Question

Dyinglight — Mon, 03 Mar 2014 01:14:42 GMT

Yes just with pending charges. Might be because its my first time using the card.

Re: American Express Question

CribDuchess — Mon, 03 Mar 2014 01:14:47 GMT

It's certainly possible to pay before you have a balance posted, but you would most likely need to "push" the payment from your bank, rather than try to schedule the payment on your Amex onlline account.

Re: American Express Question

sghosh5 — Mon, 03 Mar 2014 01:18:25 GMT

It is certainly possible to pay the balance when it is pending or before being posted from AMEX website. I did it on 2 of my AMEX cards and one of them actually i over paid 1 dollar and when the payment and charges posted it showed -1 dollar balance.

Re: American Express Question

Uppingmyscore — Mon, 03 Mar 2014 01:26:50 GMT

@Crib I don't think the OP is pushing the payment through bill pay from his or her bank. Either way it's unclear what they're talking about because they mention the credit limit increased before the payment is drawn from the bank account. Now I know this does happens. Amex Express is not concerned by this because they gonna get their money one way or another. LOL

Maybe the OP can be clear with the question.

Edit: left a word out. Lol

Re: American Express Question

Dyinglight — Mon, 03 Mar 2014 01:26:12 GMT

I was just asking if this bothered them because they didnt even take the money yet and my credit limit went back up. Im wondering why other issuers dont allow this.

Re: American Express Question

Uppingmyscore — Mon, 03 Mar 2014 01:34:11 GMT

OP-Yes, your pending payment usually increase your limit even before the payment is drawn from your account.