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Amex Payment Question

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CostantinoA
Established Contributor

Amex Payment Question

On my Amex Hilton card, I am able to make a payment even if I do not have a posted balanace.  My wife's Amex Hilton, she can only make a payment if there is a posted balance.  We opened the accounts the same day.  Can anyone explain this?

Experian - 531
Transunion - 540
Equifax - 533

Chapter 7 filed 06-2019
Chapter 13 filed 04-2024
Message 1 of 8
7 REPLIES 7
RonM21
Valued Contributor

Re: Amex Payment Question

That's odd. I wish they all allowed you to make a payment without a balance for various reasons. I don't get why one would let you amd not the other, in your case.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 8
CostantinoA
Established Contributor

Re: Amex Payment Question

Still not allowing it.  When I click on payment screen, it says no payment required but she has a balance now of 82.69

Experian - 531
Transunion - 540
Equifax - 533

Chapter 7 filed 06-2019
Chapter 13 filed 04-2024
Message 3 of 8
CostantinoA
Established Contributor

Re: Amex Payment Question

anyone?

Experian - 531
Transunion - 540
Equifax - 533

Chapter 7 filed 06-2019
Chapter 13 filed 04-2024
Message 4 of 8
Anonymous
Not applicable

Re: Amex Payment Question

Is it a new account? And, if so, has she already made payments this billing cycle?

Message 5 of 8
CostantinoA
Established Contributor

Re: Amex Payment Question

It is a new account.  Here is the thing though.  Her and I opened our amex the same day.  I am able to make payments if I have a balance posted or not and I have made numerous since we opened the accounts on 6-3-16.  We have the same card.  Hilton Honors.  I just don't get it.

Experian - 531
Transunion - 540
Equifax - 533

Chapter 7 filed 06-2019
Chapter 13 filed 04-2024
Message 6 of 8
Anonymous
Not applicable

Re: Amex Payment Question


@CostantinoA wrote:

It is a new account.  Here is the thing though.  Her and I opened our amex the same day.  I am able to make payments if I have a balance posted or not and I have made numerous since we opened the accounts on 6-3-16.  We have the same card.  Hilton Honors.  I just don't get it.


But, has SHE made multiple payments this billing cycle? If so, that's why she's being blocked. Amex does this on some - but not all - new accounts for the first 30 days or so.

Message 7 of 8
CostantinoA
Established Contributor

Re: Amex Payment Question

No.  She has only made one.  It is weird. She has way better credit than I do as well.  I barley got into Amex. 

Experian - 531
Transunion - 540
Equifax - 533

Chapter 7 filed 06-2019
Chapter 13 filed 04-2024
Message 8 of 8
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