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Pending transactions at stament closing

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Zoostation1
Valued Contributor

Pending transactions at stament closing

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¢).

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
May 2025 FICO 8:
May 2025 FICO 9:
Message 1 of 14
13 REPLIES 13
Remedios
Credit Mentor

Re: Pending transactions at stament closing

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 

 

Message 2 of 14
K-in-Boston
Epic Contributor

Re: Pending transactions at stament closing


@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.

Message 3 of 14
Kforce
Valued Contributor

Re: Pending transactions at stament closing


@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

 

 

 

 

Message 4 of 14
Zoostation1
Valued Contributor

Re: Pending transactions at stament closing

Thanks for the replies and that settles it for me...moving Spotify back SavorOne (all my other streaming services were just moved to BCP).

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
May 2025 FICO 8:
May 2025 FICO 9:
Message 5 of 14
OmarGB9
Community Leader
Super Contributor

Re: Pending transactions at stament closing


@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?)?


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

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 14
Remedios
Credit Mentor

Re: Pending transactions at stament closing

@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 

Message 7 of 14
fury1995
Valued Contributor

Re: Pending transactions at stament closing


@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. 

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

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Message 8 of 14
nytokyobred79
Valued Contributor

Re: Pending transactions at stament closing


@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). 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 9 of 14
OmarGB9
Community Leader
Super Contributor

Re: Pending transactions at stament closing

Yea, it always seems to be the case that pending charges will post before statement close with any issuer. How convenient. Smiley Indifferent


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

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 14
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