amex payment and scoring question%

[zerbherb]

i'm using zero apr to my advantage. Is paying off 200 $ a monthe enough to keep them happy. I'll have this thing paid of by february.

[myjourney]

Should be fine in paying it off in 5 months 

[Open123]

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@myjourney wrote:

Should be fine in paying it off in 5 months 

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Sure, even less, they'll be fine with, really.  All things equal, with Amex, just try to pay at least 2 - 3X the minimum.

[takeshi74]

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@zerbherb wrote:

i'm using zero apr to my advantage. Is paying off 200 $ a monthe enough to keep them happy. I'll have this thing paid of by february.

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It's not so much the $X payment but your utilization as well as your entire credit profile.

[Anonymous]

From my observation, it seems that AMEX has loosened its restrictions a lot. Just pay what you are able to pay and ask for a CLI 2 or 3 months in.  

[zerbherb]

LOL amex isn't pleased im spending a average of 300 a month on discover. but only paying down 200 a month of the 700 $ left on the amex. First world problems. my scores will bump up quickly transunion 686 equifax 676

[CreditCuriosity]

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@zerbherb wrote:

LOL amex isn't pleased im spending a average of 300 a month on discover. but only paying down 200 a month of the 700 $ left on the amex. First world problems. my scores will bump up quickly transunion 686 equifax 676

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assume this is just speculation on your part?  Of course they would prefer usuage on their cards, but 200 a month on 700 owed is a decent amt. towards principle I doubt they are very worried at such a small amount owed and decent payments towards what is owed.

[zerbherb]

lol guys transunion is back to 708 im on the way back up.