Anyone used amex autopay?

purebulldogs · ‎07-07-2022

Does it work properly each month? With my cellphone bill I've had autopay not work sometimes so I'm curious about amex autopay for paying the amex bill?

GatorGuy · ‎07-07-2022

My wife and me have used it for years on 8 cards. Never had an issue.

KLEXH25 · ‎07-07-2022

I have it setup on my two cards and never an issue in the past 3 years.

pizzadude · ‎07-07-2022

Same here - never had any issues with AMEX autopay.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

NRB525 · ‎07-07-2022

Never any issues with AMEX autopay. It requires you to specify how many days after the statement that you want the pay date to be, so you have to work at it if you want to get closer to the payment due date. But I don't think it offers "pay exactly on due date". So if for some reason autopay doesn't work, you've still got a few days to get a payment in. But as with all banks, if you set up autopay and there's a failure on the bank actions, they take the steps to correct it.

You can also add "text me when a payment is made" to get confirmation from AMEX. Most banks offer this texting now.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

OmarGB9 · ‎07-07-2022

Never used autopay with any of my banks. I'm always making multiple manual payments anyway.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Priory_Man · ‎07-08-2022

Had mine set to pay 15 days after statement since 2010 and never had a missed payment..

"Total revolving credit $286,000 Current UTIL >1%"

purebulldogs · ‎07-08-2022

Just set it up. Sounds like it works well

disdreamin · ‎07-08-2022

@OmarGB9 wrote:
Never used autopay with any of my banks. I'm always making multiple manual payments anyway.

I typically do as well, but for credit cards I have autopay set up to do a minimum payment after an unfortunate issue with my Target Redcard (which, come to think of it, might explain the lack of love on the part of Target ha ha). I think of it as insurance and just pay the bills as usual.

MrT_521 · ‎07-09-2022

I have used autopay on Amex ever since I had them, with zero issues. I use the 25 day after statement closing date option, which is on the due date. I have also used autopay on everything possible for the last 20+ years, with never once the slightest glitch. This includes credit cards, mortgage, auto loans, utilities, insurance, cell phone bills, and probably more that I'm not thinking of right now.

@NRB525 wrote:
Never any issues with AMEX autopay. It requires you to specify how many days after the statement that you want the pay date to be, so you have to work at it if you want to get closer to the payment due date. But I don't think it offers "pay exactly on due date". So if for some reason autopay doesn't work, you've still got a few days to get a payment in.

It doesn't specifically say "pay exactly on due date", but for Amex the due date is always 25 days after the statement closing date. Amex gives you the option of the payment processing 15 to 25 days after the statement closing date. If you choose 25 days, it is the due date.

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