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Amex musings

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expatCanuck
Super Contributor

Amex musings

On the one hand, I do like the Report When Pending Charge Posts functionality.  And the stupid high CL that it has extended to me.  And 3% at grocery stores.

 

On the other hand, the absence of a staightforward Due Date drives me to distraction, and may ultimately drive me to close the card.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 1 of 25
24 REPLIES 24
JSS3
Valued Contributor

Re: Amex musings

Knowing my closing date matters to me more and they always tell you when it will close. I pay it in full before closing.
Message 2 of 25
Anonymous
Not applicable

Re: Amex musings

I don't have an Amex, but what's confusing about the due date?  Does it not show on the bill or something?  It should be the same day every month, so once you know it... you know it.

 

Message 3 of 25
fltireguy
Valued Contributor

Re: Amex musings

In my case, at least the due date seems to be dynamic. It changes, but it's always roughly the same time of the month.
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 4 of 25
Gmood1
Super Contributor

Re: Amex musings

Yeah.. Uh what do you mean by straight forward due date OP? 

Mine are the same every month. Close it, if it bothers you that much.

That feature called auto pay full balance does away with those worries.

Message 5 of 25
expatCanuck
Super Contributor

Re: Amex musings


@Anonymouswrote:

I don't have an Amex, but what's confusing about the due date?  Does it not show on the bill or something?  It should be the same day every month, so once you know it... you know it.

 


The due date is not specified anywhere on the site, and the closing date varies month to month -- at least, for the first 3 months I've had the card.  Truly, it's the art of obfuscation elevated to the highest level.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 6 of 25
expatCanuck
Super Contributor

Re: Amex musings

I think I'll phone them and ask.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 7 of 25
MrDisco99
Valued Contributor

Re: Amex musings

Closing date may vary but due date should be the same every month. On your payments screen there should be a link to set which day of each month is your due date. Mine has never changed unless I tell it to.
Message 8 of 25
simplynoir
Mega Contributor

Re: Amex musings


@MrDisco99wrote:
Closing date may vary but due date should be the same every month. On your payments screen there should be a link to set which day of each month is your due date. Mine has never changed unless I tell it to.

Same. The closing date has variance of a few days but the due date has always remained the same even during February with its short month. It has it listed right there on their website and mobile app for convenience.

Message 9 of 25
Gregory1776
Valued Contributor

Re: Amex musings

How do you not know the due date? Look at your statement, mate!



Experian [809] TransUnion [823] Equifax [826]

Total Revolving Limits [$224,000]

PenFed Loan: $679/$8,000
Message 10 of 25
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