Kind of a side effect of a new checking account

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MemberSince99
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Kind of a side effect of a new checking account

Postby MemberSince99 » Fri Jul 05, 2013 4:18 pm

If you set up a new payment account, Amex won't let you make a payment until one is "due".

I'm going to have to call by phone then well before the "due" date so that no balance reports, but what a PITA, as with their idiotic offshored CS I'll be lucky if they don't screw up my payment request.

So my Amex cards will just languish in my wallet until payment is "due" and I can again make payments so I only have to call the offshore morons once.
This is just a heads up for anyone doing this, that this will happen (first time I've changed checking accounts since probably 2003 or so, it's not like it happens often).

And if you think I'm being too harsh on the script readers, just try calling and dealing with them sometime, and you'll see EXACTLY how I feel......


MemberSince99
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Postby MemberSince99 » Fri Jul 05, 2013 4:40 pm

Just a side note: I tried calling pay by phone, no go. So I called the CS number, got an American, man was that a night and day difference from the offshored CS, that's how it should be all the time, I wish Amex could see that.

Anyway, he confirmed I won't be able to make a payment until my statement cuts on the cards, and then they loosen up in like 30 days, so the Amex cards just won't be used for a while I guess. I guess that's why you always keep options.

I love the cards, but I won't use them if I can't pay on them. Going to seem weird going for other cards for a while, but then again those guys might appreciate the business....so I guess it's not bad, it's just my first choice is generally pulling Amex.

fantasy86dj
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Postby fantasy86dj » Fri Jul 05, 2013 5:42 pm

Interesting - here I have always been getting the Australian based consultants, I have been calling at different times of the day / night to test this out. Also - I was able to make a payment 3 days before my statement got finalised (using my existing bank account.) Interesting to see how things differ between AU and US !

MemberSince99
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Postby MemberSince99 » Fri Jul 05, 2013 5:52 pm

It is interesting! Here in the US we may get an American, or we may get someone from a third world country, you never really know until you call.

I used to be able to make as many payments a day as I wanted, but if you change your account the CSR said they don't allow payments before the due date for like 30 days. Kind of a pain, but then again most people aren't fanatics like we are about it.

He did say something interesting though - he wanted to remind me to use my cash back on my BCP. He said a lot of people accumulate a lot of points and apparently don't realize they can redeem them. I was thinking wow are you serious? I know SRT8 builds his up just to do it but he doesn't care about them anyway, but apparently a lot of people do that.

TheLethargicAge
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Postby TheLethargicAge » Fri Jul 05, 2013 10:24 pm

It happened to me once when I switched to a different checking account (from the same bank) to draw my payments from. It's annoying, but I was always able to make payments over the phone.
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ksy
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Postby ksy » Sat Jul 06, 2013 11:09 am

It also happens on new card accounts My wife got a BCP several Mo back and couldn't pay the bill till due.

flan
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Postby flan » Sat Jul 06, 2013 12:43 pm

ksy wrote:It also happens on new card accounts My wife got a BCP several Mo back and couldn't pay the bill till due.


You guys do realize it's a credit account, right? They don't expect to get paid until after they send you a bill.

That said, they'll take your money if you give it to them, by having your bank send them an ACH transfer, or by, gasp, mailing a check.

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AmEx Bear
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Postby AmEx Bear » Sat Jul 06, 2013 1:32 pm

AmEx Bear just wants your account safe and secure. No hard feelings, right?
Poke me and I will F/R you

MemberSince99
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Postby MemberSince99 » Sat Jul 06, 2013 4:01 pm

No, no hard feelings AmEx Bear, please don't FR me! :)

tigerhunt2011
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Postby tigerhunt2011 » Mon Jul 08, 2013 12:49 pm

How you remedy this is by adding your AMEX account as an e-bill-er on your Checking account, and manually submit an electronic payment from your bank. With my Schwab and BofA checking accounts, I can add on any CC instantly and submit a payment, not having to deal with Citi's 2 day to 2 week authorization or AMEX's "Maximum Payment Allowed" rules.
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13



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