Reported credit card issue

[Anonymous]

hi,

How are you everyone? i am new to here  .i want to know about credit card reporting.my Amex card got reported 5 months ago that time i used my Amex  3000$ and that time i was not able to pay all the amount and i called help line and they told me that they can put me in payment plan and i can pay in installments.But they put  2700 $ in payment plan and remaining 300$ they did not put in payment plan,money was deducting automatic from my account and i was paying some extra also  but they report my account after 3 months for not  paying.my account is showing delinquent  and the owed balance is 0$.what i should do now.

Thanks.

[RobertEG]

Billing-related issues on credit cards can be disputed under the Fair Credit Billing Act (FCBA), which has enhanced dispute provisions not provided under the FCRA.

[elim]

Is this a charge card?

If so, it was delinquent. Even though they were kind enough to let you pay over time... pretty sure you still broke the contract.

[Anonymous]

yes it was a charge card and they closed my account

[elim]

---

@Anonymous wrote:

yes it was a charge card and they closed my account

---

   sux... I had the pay-over-time feature on one of their charge cards for a couple years, was afraid to ever use it (was 19% so there's that too).

  never know. call them and see if they can help you out.