Has anyone else heard about AmEx's reporting 'lottery' system?

[MidnightVoice]

WhirledPeasPlease wrote:

Amex is currently showing an 11.99 charge (for CS) with avail credit at 977.  When I called yesterday the guy told me for some reason my avail cred is reduced by the pending and posted transactions -- WHICH ARE ONE IN THE SAME.   I'm pretty sure there wasn't a panty party where every pair got together and charged something on my amex. 

Yet another reason to leave it in the drawer.

Chase is the same - one transaction posted, same one pending, both are removed from the available credit.

But I know that it will be gone tomorrow

[Anonymous]

scapegrace said: "According to her, negative stuff of course is always reported promptly, but for those of us whose accounts are in good standing, who gets their account info reported any particular month is entirely up to chance –"

Which reminds me of the immortal words spoken so wisely by NewWorldMan, once upon a time:................

TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files.

[haulingthescoreup]

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@haulingthescoreup wrote:

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@Anonymous wrote:

That's not surprising, due to the way they report. It took a while for mine to show up, too.

For me, they report on the 29th of each month, and they report the balance on the statement generated during that month, even though by that time that balance is about three weeks old.

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I got an e-mail on the 31st that I now have charges, but when I go online, even though I see the charges, there's no balance due, no statement date, and no due date (for the $0 balance due.) This is different...

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Just as a general FYI for those eager to add weirdness to their lives, I called AmEx, because the e-mail implied that I needed to Do Something about these charges. But I was told by the CSR that my balance won't post until the 17th at midnight, viewable on the 18th, and I can't pay until then. She also said that it will show a "suggested due date" (!), but that in fact, I have 30 days to pay.

So I have an e-mail broadly hinting that I should pay, but in fact I can't for another 2 1/2 weeks, and then there will be a suggested due date, with an undisplayed real due date.

Being a woman, I REALLY shouldn't say this, but it appears that my account was designed by another woman, working on the belief that If You Loved Me, You Wouldn't Have to Ask When It's Due; You'd Just Pay It; and In Fact, You'd Look for Ways of Paying More Than is Due, and Earlier.

* sniff *

[Anonymous]

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@haulingthescoreup wrote:

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@haulingthescoreup wrote:

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@Anonymous wrote:

That's not surprising, due to the way they report. It took a while for mine to show up, too.

For me, they report on the 29th of each month, and they report the balance on the statement generated during that month, even though by that time that balance is about three weeks old.

---

I got an e-mail on the 31st that I now have charges, but when I go online, even though I see the charges, there's no balance due, no statement date, and no due date (for the $0 balance due.) This is different...

---

Just as a general FYI for those eager to add weirdness to their lives, I called AmEx, because the e-mail implied that I needed to Do Something about these charges. But I was told by the CSR that my balance won't post until the 17th at midnight, viewable on the 18th, and I can't pay until then. She also said that it will show a "suggested due date" (!), but that in fact, I have 30 days to pay.

So I have an e-mail broadly hinting that I should pay, but in fact I can't for another 2 1/2 weeks, and then there will be a suggested due date, with an undisplayed real due date.

Being a woman, I REALLY shouldn't say this, but it appears that my account was designed by another woman, working on the belief that If You Loved Me, You Wouldn't Have to Ask When It's Due; You'd Just Pay It; and In Fact, You'd Look for Ways of Paying More Than is Due, and Earlier.

* sniff *

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It makes me wonder what their company picnics are like.  I mean do they sit around and talk about ways to confuse us while they're chomping on dogs and chips?  I envision a beavis and butthead kind of thing-  "Heh, we'll send a bill and say they don't owe anything -- heh!"

Again, welcome to the cult, enjoy your initiation.

[tonsers]

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haulingthescoreup wrote: Being a woman, I REALLY shouldn't say this, but it appears that my account was designed by another woman, working on the belief that If You Loved Me, You Wouldn't Have to Ask When It's Due; You'd Just Pay It; and In Fact, You'd Look for Ways of Paying More Than is Due, and Earlier.

HTSU - LMAO, thanks, I really needed that tonight!

[MidnightVoice]

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haulingthescoreup wrote:

Being a woman, I REALLY shouldn't say this, but it appears that my account was designed by another woman, working on the belief that If You Loved Me, You Wouldn't Have to Ask When It's Due; You'd Just Pay It; and In Fact, You'd Look for Ways of Paying More Than is Due, and Earlier.

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Being a man, and a well trained one, I won't touch that comment with a 10 foot barge pole 

I will NOT say I thought it was hilarious just in case someone on the distaff side thinks that that means I agree with the statement in any way, shape or form.

I will not put a single smiley in this post for the same reason.

Did you know that men are so stupid that when a woman tells a man all her problems he actually think she wants him to solve them for her?

[haulingthescoreup]

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@MidnightVoice wrote:

Did you know that men are so stupid that when a woman tells a man all her problems he actually think she wants him to solve them for her?

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Did you know that women are such slow learners that when a woman tells a man all her problems, she actually thinks that he will truly listen, and make comforting noises at the correct places, and essentially tell her that she did everything exactly right, and that the other people are just idiots, and will remember the content of said conversation several days later?

I am brave: I will insert a smiley !

Really, it's a wonder that the species manages to reproduce from one generation to the next.

[MidnightVoice]

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haulingthescoreup wrote:

Did you know that women are such slow learners that when a woman tells a man all her problems, she actually thinks that he will truly listen, and make comforting noises at the correct places, and essentially tell her that she did everything exactly right, and that the other people are just idiots, and will remember the content of said conversation several days later?

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It is all a matter of training..

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haulingthescoreup wrote:

Really, it's a wonder that the species manages to reproduce from one generation to the next.

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It happens because a man can't think more than 7 minutes ahead