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AMEX only cares that you pay them. If you don't pay them, they get kind of snippy for some reason. But as long as they keep getting money to pay your balance, they are happy.
BT of this size are not going to be looked at by anyone, they are small. If you were trying to regularly BT $50k around, say 4 or 10 times, and your typical balance was $1k, you would get a phone call most likely. For these transfers, no one cares enough to call
The AMEX FR is more likely to turn up when you are bringing debt onto the AMEX card. Paying down, or BT off to another card, seems that's on the "good side" of their equation.
And yes, I've done a few BT off of my Delta Gold card recently to wind down the low APR period, and they just show up as "electronic payment", which is what the BT Destination bank is doing. As far as I know, there is no transaction designator in the ACH payments system that does much to identify the type of payment involved, probably not able to identify a BT different from a regular payment.
That's probably an important point to make. ACH = Automated Clearing House. The transactions are not directly from one bank to another, they have to go through the central payment clearing hub, so that creates certain requirements to make transactions generic.
@Anonymous wrote:
I just want to avoid a financial review or any kind of AA from Amex for "moving around debt" or using BT offers. They seem to randomly pinpoint people for weird things. But then again many lenders do!!
I guess your take on this then is that as long as Amex gets their money, they don't care where it comes from? It seems that BT payments post like a regular payment and show no notation of being a BT
I would think on the Amex financial side of things that they can tell which payments come from your checking accounts vs. which payments come from another lender. In both of my Amex accounts, there is a coding difference on how things are paid. If it is from a BT from another lender, it says "check." If I pay it directly from my checking account, it says "online." There are also other designations for types of payment. Given their sophisticated systems, I'm sure they must be able to see the origination of the "check., and that this type of payment comes in coded differently as check vs. how normal payments from me read. If I can see it, I'm sure they can see it. Whether it matters to them at all, I have no idea.