American Express Question

Dyinglight · ‎03-02-2014

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.

Chase Freedom ($5,500) Discover It ($6,500) Capital One Venture ($7,500) Amex Bluecash Everyday ($9,000) Amazon credit card($2,700) Chase Ink Cash ($5,000) Citi thank you premier ($3,100) Citi double cash (2,100)

My Fico 10/28/2014 Ex:766 Tu:764 Exp:746
Garden untill late 2016!(I hope)

-Wade- · ‎03-02-2014

@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.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Uppingmyscore · ‎03-02-2014

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

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Delta SkyMiles $10,000, Discover $14,000, Chase Freedom $23,500, Capital One $8,000, SAMS $10,000, and LOWES $10,000

Dyinglight · ‎03-02-2014

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.

Chase Freedom ($5,500) Discover It ($6,500) Capital One Venture ($7,500) Amex Bluecash Everyday ($9,000) Amazon credit card($2,700) Chase Ink Cash ($5,000) Citi thank you premier ($3,100) Citi double cash (2,100)

My Fico 10/28/2014 Ex:766 Tu:764 Exp:746
Garden untill late 2016!(I hope)

-Wade- · ‎03-02-2014

@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.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Jeff007245 · ‎03-02-2014

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)

Garden
2/16/14
|*****1/2014 - NPSL*****| *4/2011 6,000 CL* |*11/2011 - 5,000 CL*| *9/2012 - 850 CL* | *1/2014 - 500 CL* |*2/2014 - 6,000 CL*|

Uppingmyscore · ‎03-02-2014

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

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Delta SkyMiles $10,000, Discover $14,000, Chase Freedom $23,500, Capital One $8,000, SAMS $10,000, and LOWES $10,000

Dyinglight · ‎03-02-2014

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

Chase Freedom ($5,500) Discover It ($6,500) Capital One Venture ($7,500) Amex Bluecash Everyday ($9,000) Amazon credit card($2,700) Chase Ink Cash ($5,000) Citi thank you premier ($3,100) Citi double cash (2,100)

My Fico 10/28/2014 Ex:766 Tu:764 Exp:746
Garden untill late 2016!(I hope)

CribDuchess · ‎03-02-2014

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.

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K

sghosh5 · ‎03-02-2014

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.

Shell FCU : 5K