Amex Checking Declined

[FicoMike0]

I'll just add this. In my experience, amex is the only bank that credits my card payments instantly, regardless of where they come from. When I pay bcp from my navy checking, my balance instantly goes to zero.

PS. I make my payments using the amex app, where my navy checking is linked. 

[soxfaininfl]

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@FicoMike0 wrote:

I'll just add this. In my experience, amex is the only bank that credits my card payments instantly, regardless of where they come from. When I pay bcp from my navy checking, my balance instantly goes to zero.

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Nice! I'm probably going to just stick with just making payments from my Navy checking account. 

[crystal626]

You never have to worry about bounced payments if you just use your bank/CU's bill pay to push the payment. Most creditors are set up electronically at this point other than some obscure credit unions so your payments will post within a day or two. Navy Federal's bill pay system is actually quite nice (it's hidden under Move Money) and will tell you the date it's due to arrive. If it's less than 5 days, it's almost certainly electronic.

[dfwxjer]

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@FicoMike0 wrote:

I'll just add this. In my experience, amex is the only bank that credits my card payments instantly, regardless of where they come from. When I pay bcp from my navy checking, my balance instantly goes to zero.

PS. I make my payments using the amex app, where my navy checking is linked. 

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Amex always credits my payment as soon as I make it from my Ally checking account. Citi also instantly credits my payments... BofA and Chase both take a day or so to post. 

Opening an Amex checking account won't really change the way the credit card payments are made. It'll just be another linked bank account. 

[Snook_on_the_Line]

I did this one for the sub

make sure your tu, ex and also Chex are thawed 

it's a soft pull 

and you must have a personal card or hysa with at least thirty days tenure to be approved 

[soxfaininfl]

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@Snook_on_the_Line wrote:

I did this one for the sub

make sure your tu, ex and also Chex are thawed 

it's a soft pull 

and you must have a personal card or hysa with at least thirty days tenure to be approved 

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The Amex checking showed up in my explore offers over the weekend, so I applied this morning but the application errored and I got an email wanting to verify my identity. I will wait till my Gold Card account is at least a month old.

[soxfaininfl]

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@Snook_on_the_Line wrote:

I did this one for the sub

make sure your tu, ex and also Chex are thawed 

it's a soft pull 

and you must have a personal card or hysa with at least thirty days tenure to be approved 

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I didn't do anyitng Lol, and I got this email this afternoon. I've only had my Gold card for 21 days. I havne't even made my first payment yet.