[Solved] AmEx Card Running OVER The Limit!

MKBHD on 22/11/2019 - 22:35
Last edited 23/11/2019 - 06:16

My Amex credit card has a limit of $7000.

Nov 14: I had used about $210 to buy stuff and had the remaining credit available. Had $50 to pay due by 22 Nov from last statement.
That day, I returned something at Kmart and the $200 went to the same credit card.

Nov 18 my balance was $10 and tried to pay $50. But $50 would make my credit go above $7000 to make it $7040, I kept getting the error in screenshot below.

https://imgur.com/a/7GaT97W

So I tried the minimum amount I needed to pay which was about $7. That went thorough instantly as it didn't exceed my card limit. That was when I realized of the above issue that it was actually going above $7000. It did not let me go inside the payment option for another 72 hours.

I still have about $43 to pay to avoid the interest (which I have never had to pay). After 72 hours this evening it has let me go in to pay but I am getting the same error as on 18 Nov while trying to make $43 payment. Also gives me option to pay remaining $3 to make the payment of current balance.

At the front screen it says $0.00 minimum payment due on 22 Nov (which is not true, I have $43 due).

Called Amex and the lady is saying they have some system down but I am getting this error from 18 Nov. She wouldn't buzz, says there is nothing she can do, and to call before midnight again to see if the system is fixed. Also admits the credit will be over limit and that is not allowed. When I asked if I will be charged for interest if it isn't fixed by then, she says she can make a note not to charge the interest. However I am worried about my credit rating too.

Payment goes from my bank and I don't see any other payment option eg. from debit cards too.

I don't use my credit card often and always had this question since stores return the money in the same payment format, what would happen on credit cards if I don't have enough room for that money. I googled last year, couldn't find the answer and was about to post here too but then I didn't. Now it has happened to me in real.

Financial American Express Credit Card

Related Stores

American Express
American Express

closed Comments

  • Soluble on 22/11/2019 - 22:44

    Interesting screenshot.

    Never tried to go above on my amex but I regularly pay my MasterCard +15-20k to pay large bills and it goes through no problems.

    If it's 40 odd $ that's going to push the interest, what's the maximum interest you're going to pay that's stressing you out?

    • MKBHD on 22/11/2019 - 23:39

      Wouldn't paying interest on a credit card decrease the credit rating? Sorry I am a nube to this.

  • Samsungnote10 on 22/11/2019 - 23:16

    Iv just learnt to accept that the amex credit system is really odd

    Sometimes i can go over $2k of my limit.
    Sometimes not even $10

    This month i made a large purchasr and credit wise it debited twice.

    A week later
    I got a huge refund on something,

    The refund didnt show up in the transactions but the avaialbe credit was credited twice!

    Its absolutely weird.

    Ps you'd laugh if you saw my avaialbe credit now, its like -$17k, all due to amexs weird system

    • MKBHD on 22/11/2019 - 23:47

      That sounds so dodgy. I rarely use my credit card. So it is always at full credit available. So I always wondered and feared what would happen if I need to accept a refund when I don't even have room for it in my credit card? Googled briefly, no answers.

    • MKBHD on 22/11/2019 - 23:52

      I am thinking I will quickly buy something for $100 which will decrease my available balance and then try to pay again. Haha.

  • Davo1111 on 22/11/2019 - 23:29

    have you tried contacting amex?

    • WoodYouLikeSomeCash on 22/11/2019 - 23:40
      -2

      You should've gone to Specsavers it clearly says:

      Called Amex and the lady they is saying they have some system down

      • Davo1111 on 22/11/2019 - 23:41

        so the solution is to wait until the system is back up

        • WoodYouLikeSomeCash on 22/11/2019 - 23:42

          Allegedly…

        • MKBHD on 22/11/2019 - 23:43

          The system is not down. If the system was down, it wouldn't have accepted the lower amount. Also the lady didn't say the system was down in the first instance. When I told her I get a system down message when I try to pay the higher amount, that's when she said 'ohhh yeah we can't help' and stuck to it.

  • nayanmodi on 22/11/2019 - 23:36
    +5

    Just do a BPAY payment from your bank. You will find the details in the Amex statement. That’s how I usually do it.

    • MKBHD on 22/11/2019 - 23:42

      When I asked for alternatives, they said BPAY can take upto 3 days to show up and the pay is due today so that won't work.

      • WoodYouLikeSomeCash on 22/11/2019 - 23:43

        Why don't you call again?

        • MKBHD on 22/11/2019 - 23:44

          On the phone right now. Will give you an update soon. Last 15 minutes remaining, moment of truth!

      • kerfuffle on 22/11/2019 - 23:48
        +2

        I've always BPayed (I have the same Amex as you) and it's always same day for me. As long as you did it before the cut-off time (either 5 or 6 p.m.)

      • lgacb08 on 24/11/2019 - 19:16

        nah, whilst Bpay takes few days to clear but it always record the payment date is the date you make the payment, I don't think i've been charge for late pay because of that.

    • apsilon on 23/11/2019 - 06:00
      +1

      It's the way I always do it but then I don't leave it to the last minute so if it takes a few days (it never has) it doesn't matter.

  • MKBHD on 23/11/2019 - 06:20
    +2

    UPDATE: I called again before midnight and this time the guy understood exactly what was going on and offered to pull the required $43 from my preferred payment method from his end. As soon as he pulled it, I couldn't go into the Make Payment option which now says I need to wait for 72 hours. I also instantly got the email saying the payment of $43 was successful.

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