Will it be considered late?

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paparoach429
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Will it be considered late?

Postby paparoach429 » Fri Dec 14, 2012 2:48 am

So I signed into my Express account today to pay my bill and on the account summary page it said "minimum amount due: $0" "current balance: $81.34". I clicked on the tab to pay the amount due and it said "payment due date: 12/11/12. I never recieved a bill in the mail or an email from them saying my bill was due. I never signed up for paperless statements also. Will it be considered late being that its only 3 days? Also would it help to call them tomarro morning and haggle with them over it?


Gamma
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Postby Gamma » Fri Dec 14, 2012 1:02 pm

paparoach429 wrote:So I signed into my Express account today to pay my bill and on the account summary page it said "minimum amount due: $0" "current balance: $81.34". I clicked on the tab to pay the amount due and it said "payment due date: 12/11/12. I never recieved a bill in the mail or an email from them saying my bill was due. I never signed up for paperless statements also. Will it be considered late being that its only 3 days? Also would it help to call them tomarro morning and haggle with them over it?

If your min payment due is 0, then you don't owe them anything for this statement.

paparoach429
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Postby paparoach429 » Fri Dec 14, 2012 3:21 pm

Even though I had a balance? I bought some stuff on black friday so its been about 2 and a half weeks.

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djrez4
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Postby djrez4 » Fri Dec 14, 2012 4:25 pm

Amex payments are generally due 20 days after the statement closes (although you can adjust that on some cards). That means that your prior statement probably closed on or around the 21st of November - before Black Friday.
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paparoach429
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Postby paparoach429 » Sat Dec 15, 2012 12:48 am

Oh ok, I wasnt sure how that worked since I only usually use my Citi card and its due the same time every month. I wasnt sure how it worked on a card that I dont use every month. So it doesnt close the same time every month? It closed "x" amount of days after the purchase?

Gamma
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Postby Gamma » Sat Dec 15, 2012 1:41 am

paparoach429 wrote:Oh ok, I wasnt sure how that worked since I only usually use my Citi card and its due the same time every month. I wasnt sure how it worked on a card that I dont use every month. So it doesnt close the same time every month? It closed "x" amount of days after the purchase?

You have 2 dates to remember. Your payment due date and your statement cycle date. Your payment date is always the same date, in this case, every month on the 11th. If your payment due date says you owe 0, then you don't need to make any payments this statement period. Example, I always PIF every month on payment due date and the date before my new statement date so that my balance always reports as 0 on my credit report. As of this statement that's about to close (11/21/12-12/21-12), I currently have a balance of about 1000, my payment due on the 15th, payment due is 0. I won't have to pay anything until my statement for next month on 1/15/12, but I don't like to carry balances on my Amex, so I just PIF. This is how it works with any revolving credit card.



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