Amex Annual Fee Timing

[Centurion_Dreamer]

It is possible to pay the Amex Card on the day the AF hits (including assumed AF).

This has to be done between 6 and 8pm in my opinion.

When you are trying it to early and it was paid to zero before, the system is saying that you cannot pay more because the balance is already zero.

However, it is possible during evening times on the day the AF hits.

[AyaMai]

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@SouthJamaica wrote:

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@Zoostation1 wrote:

I have a BCP that had the first year's AF waived so this will be my first time paying the fee.  My 13th statement will close on Feb 19th and based on my search of previous posts I'm sure it's coming (received the expected message on my previous statement), but am unsure whether it will  l post as that statement cuts (effectively making this upcoming  statement close $95 higher than the actual spend would be), or post just immediately after the statement cut time and effectively be the 1st transaction for the new statement period (preferable IMO).  Any clarification would be appreciated.

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In my experience they add it to the statement at the last minute.

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It's annoying they add it in the last minute and being reported that I have a balance on every Amex card I have. 

[keluric]

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@Zoostation1 wrote:

Thanks for the info  @Brian_Earl_Spilner  @Openwater .  This is kind of what I expected, but something I find inherently wrong on principle at the same time.  For me in this case it doesn't matter all that much since I'm currently letting my BCP report a balance (I'm letting 2/5 report and BCP is currently one of them).  The problem I have with it is posting as the statement closes effectively making it so you can't have the card report 0 in the cycle the AF hits. IMO, it should post at the beginning of a cycle (just after the previous statement close) so that you can control whether the card reports a balance at statement closing

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Yep.  This annoys me. 

[UncleB]

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@Zoostation1 wrote:

@jojo79Good suggestion, but I'm not set up to do bill pay via my bank so can't do push payments currently (not sure how long it would take to get it set up but for this go around I've planned for it posting).  Since only 2 of my 5 cards have an AF and one is always reporting a balance being my highest limit.  I'll probably just plan on this card being my second card reporting next go around again.

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If you really want that statement to report $0 and the website won't let you schedule the payment just call or chat with an Amex rep. 

They're known to be able to manually schedule payments from a linked bank account for new cardmembers who are limited to one payment per month, so they should be able to help you as well.