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My first statement closing date is coming up later this week on my Amex BCP. When Amex reports, do they include pending transactions (I know it may not report at all this month)? My statement closes on the 17th, the same day of my Spotify subscription gets billed and since I am still practicing AZEO I'd like this card to report 0. It's not the end of the world if it reports but I'd still prefer to keep it at 0. (I can always move it back to SavorOne to ensure it won't and would only be losing 32¢).
Transaction cannot be included until it's posted but since we're talking about Amex, they will make sure it posts just in time for statement closing
I've had them include same day charges
@Remedios wrote:Transaction cannot be included until it's posted but since we're talking about Amex, they will make sure it posts just in time for statement closing
I've had them include same day charges
+1. A nearly $2k insurance charge that was charged Sunday afternoon made it to my statement the next morning this month. Amex wastes no time.
@K-in-Boston wrote:
@Remedios wrote:Transaction cannot be included until it's posted but since we're talking about Amex, they will make sure it posts just in time for statement closing
I've had them include same day charges
+1. A nearly $2k insurance charge that was charged Sunday afternoon made it to my statement the next morning this month. Amex wastes no time.
All of my CU's and Bank's post pending on the statement date.
The 2-3 pending is shortened because it benefits them.
The new normal
Thanks for the replies and that settles it for me...moving Spotify back SavorOne (all my other streaming services were just moved to BCP).
@Zoostation1 wrote:Thanks for the replies and that settles it for me...moving Spotify back SavorOne (all my other streaming services were just moved to BCP).
Why not just call Amex and ask to change your due date (which I believe might also change your statement date?)?
@Zoostation1 Amex allows you to pay pending charges so there really isn't a need to move anything unless that's what you want to do
@Remedios wrote:@Zoostation1 Amex allows you to pay pending charges so there really isn't a need to move anything unless that's what you want to do
Yes, this exactly.
@fury1995 wrote:
@Remedios wrote:@Zoostation1 Amex allows you to pay pending charges so there really isn't a need to move anything unless that's what you want to do
Yes, this exactly.
Yup. I know that Amex wastes no time including some pending charges at closing date so what I either do is pay the pending charge in advance or if I have regular charges around closing date, I've had Amex change when the statement closes( that way, I have no concerns about the charges posting then).
Yea, it always seems to be the case that pending charges will post before statement close with any issuer. How convenient.