- Green Member
- Posts: 15
- Joined: Wed Dec 01, 2010 8:34 am
- Location: NJ
Your credit history sounds a lot like mine. College and graduate school destroyed my credit (even a little after my first job). Credit was in the low 500s. For about the past 5 years I have religiously been attentive to my credit and have just recently begun to receive offers for chase freedom, sapphire, discover more and other cards that are not high interest rate/low limit cards.
In any event, I received the Amex Gold card about 9 months ago (and was delighted when I was approved). I have on occasion (the first few months I had the card) made partial payments during the month. Never had a problem doing so. I then stopped after about 3 months and started just paying the balance at the end. I never received any problems for that either.
The "please pay by" date is not the actual date payment is due. It is the suggested date. Payment is due the day before the close of your next cycle. In other words, if your billing cycle goes from May 20 to June 20, then sometime around June 20/21 you will get the "please pay date" of roughly July 7. Payment is not due on July 7, it actually is due by July 19 (the day before the closing of the next cycle). I always pay the bill the day I receive the "please pay by" message, so I would pay the bill on June 20/21. I have never waited until the "please pay by" date or the day before the close of the next cycle, so I am not sure if that would trigger concern from Amex.
Enjoy the card, I really do.