pushing a relatively large payment to Amex

[Loquat]

I get it...it's annoying to work with low limit cards. Been there, done that. But how much time does it really take to click a payment through the app even if you're having to do it multiple times a week. What are we talking...maybe 30 seconds?

[micvite]

@Loquat I believe his issue is he can't do the payment through the app since his balance is still showing 0 while his available credit is going lower and lower and he has to wait for the transactions to actually post hence why he wants to make the advance payments. 

[Remedios]

I'm not sure I understand since available credit is restored immediately

[micvite]

@Remedios I think his issue is the same as mine, while I have over 1500$ pending charges and only 400$ available credit, I can only make a 400$ payment bringing my available credit to 800. Which is gonna be enough to cover dinner tonight then I'd have to call in to make any additional payments to cover food for the rest of the week. So I tend to make over payments as well to artificially inflate the SL to cover any charges I'm going to put on the card later in the week. He's just asking if in doing so Amex will penalize him.

[Loquat]

---

@micvite wrote:

@Loquat I believe his issue is he can't do the payment through the app since his balance is still showing 0 while his available credit is going lower and lower and he has to wait for the transactions to actually post hence why he wants to make the advance payments. 

---

Then I'd push one larger payment and continue to spend it down.  Amex won't have a problem with that as long as you're not letting the credit sit for long periods at a time.  My question to the OP would be how often is one maxing out even a $1k card to the point where transactions aren't posting fast enough to make apps in the payment?

[Remedios]

I think I can grab the title of Most Confused Member today..

I can pay all pending charges, they don't need to post, and credit is restored immediately.

So, which part of this puzzle I'm missing?

[micvite]

---

@Remedios wrote:

I think I can grab the title of Most Confused Member today..

I can pay all pending charges, they don't need to post, and credit is restored immediately.

So, which part of this puzzle I'm missing?

---

Whatever you're doing right, please tell me! I've only rarely been able to do that with amex, and all other cards only let me do either whatever has posted or 10% over that amount. 

[Remedios]

---

@micvite wrote:

---

@Remedios wrote:

I think I can grab the title of Most Confused Member today..

I can pay all pending charges, they don't need to post, and credit is restored immediately.

So, which part of this puzzle I'm missing?

---

Whatever you're doing right, please tell me! I've only rarely been able to do that with amex, and all other cards only let me do either whatever has posted or 10% over that amount. 

---

If you are using app and you have a pending payment scheduled, you cannot make additional one.

Using web, you should be able to pay any amount that's either already part of your balance or pending charge, or at least that's how it works for me. 

I cannot do this via app, web only 

Look, you made me spend money 😂

[micvite]

---

@Remedios wrote:

---

@micvite wrote:

---

@Remedios wrote:

I think I can grab the title of Most Confused Member today..

I can pay all pending charges, they don't need to post, and credit is restored immediately.

So, which part of this puzzle I'm missing?

---

Whatever you're doing right, please tell me! I've only rarely been able to do that with amex, and all other cards only let me do either whatever has posted or 10% over that amount. 

---

If you are using app and you have a pending payment scheduled, you cannot make additional one.

Using web, you should be able to pay any amount that's either already part of your balance or pending charge, or at least that's how it works for me. 

I cannot do this via app, web only 

Look, you made me spend money 😂

---

Still a no for me, anything over my balance won't work unless I call in spend 5 minutes explaining to the first csr what I want and them telling me it can't be done then finally getting transferred to the account specialist that spends another 5 warning me my charges might still not get approved. 

No pending payments, just a 400 some balance and a pending charge for 936 which after tip is 1136.

Now if that charge had posted, I've been able to make multiple smaller payments even same day and credit updates in real time. 

[K-in-Boston]

Looks like you are doing that on a charge card with an imposed hard limit?  That might explain the difference.