Amex, at least for the charge cards, report to the bureaus when you are a consecutive 60 days late.
Pay it all now.
It is not so much the 30-day late likely being reported, that is bad enough.
Rather my concern would be how your internal score in AMEX will get dinged. Looking like you can’t pay charges as agreed on $3k is not where you want to be, to grow your AMEX relationship.
It is not so much the 30-day late likely being reported, that is bad enough.
Rather my concern would be how your internal score in AMEX will get dinged. Looking like you can’t pay charges as agreed on $3k is not where you want to be, to grow your AMEX relationship.
30 days late is reported when you're 30 days late. If the 2.4k was due 5/1, you have until end of tomorrow for it to post before it will be 30 days late. If the additional $400 is for a different statement, that's a different 30 day countdown. Like someone else said earlier, it's the internal system that will hurt you.
Well we'll agree to disagree. I had an account rep share the 60 day rule with me about 3 months ago and when i, for the first time ever, paid at the 37 days mark they did not report it. Maybe I was just lucky.
Oh and if you have excellent payment history with them but may a flub, you can ask them to remove their internal reporting of the last payment and internally 're-age' your account. This has no bearing on what gets reported to the credit bureau but rather what they see as your payment history within their internal systems.