Greetings All! Ok a quick question, I'm a new AMEX Delta Gold CC Member as of 11/28/2017......Nonetheless, I've received the card and set-up my bank account info on 12/4/2017. Since I've received the card I've charged a little over $400 on it. On last Friday 12/8/2017 I paid the charges in full. The next day I made another purchase a little over $100, but when I tried to make an online payment this AM the system is not letting me informing me that "no payment is due at this time"......Yes I'm aware of that, but just as my Cap 1 QS I like to make multiple large payments a month, and PIF. Is there any restriction that anyone knows of cause my account is less than 30 days old? If so, is there any way around it to submit my payment? How long will the restriction, if any be in place? I refuse to pay interest but it appears as I may be forced to from what I can see this one time 
Thoughts and feedback is of great appreciation!
@BlueNote504 wrote:Greetings All! Ok a quick question, I'm a new AMEX Delta Gold CC Member as of 11/28/2017......Nonetheless, I've received the card and set-up my bank account info on 12/4/2017. Since I've received the card I've charged a little over $400 on it. On last Friday 12/8/2017 I paid the charges in full. The next day I made another purchase a little over $100, but when I tried to make an online payment this AM the system is not letting me informing me that "no payment is due at this time"......Yes I'm aware of that, but just as my Cap 1 QS I like to make multiple large payments a month, and PIF. Is there any restriction that anyone knows of cause my account is less than 30 days old? If so, is there any way around it to submit my payment? How long will the restriction, if any be in place? I refuse to pay interest but it appears as I may be forced to from what I can see this one time
Yes, American Express limits you to one online payment during your first billing cycle. After that you can make mid-cycle payments. You can still call CSR and ask for an account specialist (Payment Specialist), who will be able to override the limitation and make the payment for you.
The one payment thing aside, it sounds like you were trying to pay your balance to negative. If the charges have not yet cleared and are "pending" and you have already paid all other posted charges, your balance is $0. As stated already, no need to pay so soon to avoid interest. Typically when people pay prior to the statement cutting, it's either because they have a small credit line that doesn't allow them to put as much spend on the card as they would like or because they are trying to control what percent of utilization is reported to the credit bureaus when the statement cuts. You have 25 days after your next statement closes to pay for any charges made today. So depending on the day that you make a charge, you could have up to 56 days to pay it prior to accruing interest. Just make sure to pay the statement balance in full prior to the due date.
Hey OP! I was in the same situation this morning!
My statement closes today and I wanted to do a payment to lower the reported balance. I called (800) 528-4800, explained I wanted to do another payment but the app/website wouldn't let me. Customer Service got a supervisor on the line whom override the block and processed it right away!
They explained when your account is 30 days old or younger (i.e. 1st statement has not cut), they will allow you to do 1 payment but then the system blocks you. Now I got my utilization down on the card and it shouldn't affect my scores too much, other than being a new line. Hope this helps you!
