Amex verified phone verification?

[Anonymous]

So, here's my Friday evening story. I accidentally made a payment on my Amex that didn't go through due to insufficient funds. Oops! When I received the email today, I contacted them and offered to immediately make the payment from my main account. The rep explained the system automatically will try again in 5 days so as long as I can put the money into the account by then it'll be all good. Then he proceeds to verify all of my account information! Whyyy? Annual Income, name of my employer, length of time on my job, email address, asking me for additional phone numbers. Has anyone else experienced this? I'm concerned that my internal ranking may be impacted. Obviously, I didn't mean to make the bad payment, I did however; already make an on time payment for the bill and this extra payment was just to zero out my balance before it's reported. Please share any thoughts? 

[Remedios]

I don't know what you mean by "some kind of list", but you can expect to be on a naughty list for returned payment, even if you made one prior to the one that resulted in insufficient funds. 

Best you can do is make sure there is enough money in the account if/when they attempt again and don't be surprised if you get a cold shoulder from Amex for a while. 

Let's put it this way, while a payment that's a few days late is pretty bad, returned payment is worse. 

Whether any AA will result from this, that's impossible to tell, but if nothing happens in the next couple of weeks, limit/card will probably be okay. 

[Anonymous]

@Remedios It makes sense. I'll wait and see about AA which would definitely be all on me. I got a prettying big cli from them and downgraded my card to a no annual fee. 

[Jnbmom]

I agree with @Remedios  

i had mistakenly put a wrong number in fmwhen setting up a payment account I was on their naughty list for well over a year every CLI denial mentioned that as one of the reasons 

[Remedios]

Fingers crossed it's your one freebie as far as AA goes. 

They will hold a grudge for a while, though

[Remedios]

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@Jnbmom wrote:

I agree with @Remedios  

i had mistakenly put a wrong number in fmwhen setting up a payment account I was on their naughty list for well over a year every CLI denial mentioned that as one of the reasons 

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If I cannot copy/paste, I have my daughter do it for me. I am capable of transposing a single digit 

[Jnbmom]

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@Remedios wrote:

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@Jnbmom wrote:

I agree with @Remedios  

i had mistakenly put a wrong number in fmwhen setting up a payment account I was on their naughty list for well over a year every CLI denial mentioned that as one of the reasons 

---

If I cannot copy/paste, I have my daughter do it for me. I am capable of transposing a single digit 

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Yes totally on me I know 😳 should really look harder for my darn reading glasses 

[Anonymous]

We shall see...I havent been perfect. I paid my card late after 8pm on the due date and they charged a $40 late fee. I had already had a few late fees waived. Late = after 8pm on due date. That's why I now auto pay a small amount before the due date. 

[Remedios]

@Anonymous thats not going to work. I think at this point they might have concerns about income, since you already had a late payment followed by insufficient funds. I hope nothing changes for you, but I'd be really surprised if Amex simply moved on after both instances. 

Wait and see, I guess. In the meanwhile, I'd use card sparingly. Don't give them an idea you're trying to run up balance. 

[Anonymous]

@Remedios please explain what I'm doing incorrectly so I can improve. I'm definitely trying to get this credit thing right. I auto pay $100 before due date to make sure my payment is on time (minimum is never more than $100) I then pay the remaining statement balance before the cycle closes? I just want to check my bill and make sure all is good before instead of auto paying an entire bill. 

Regardless, I felt he was scrutinizing me over the phone- so you may be right. I haven't falsified my income. I don't typically carry a balance.