Originally Posted by
Happy
In general, no.
Returned PAYMENT is an absolute No No for all issuers but with AMEX in particular. The system would promptly flag you and then all sorts of crazy things followed, even it is just a plain mistake by carelessness of the cardholder - like not to remove a no longer good payment bank info from the payment options. Such mistake is almost unforgivable in my opinion. One should immediately remove a canceled / closed bank account from all its linked payees so to avoid stupid mistake like this,
Yep, that mistake cost me a FR. I caught it the next day and sent a payment from another bank but too late. I did get my accounts reinstated, no change in CL, and they refunded be the NSF fee but made the point it was a courtesy. The error occurred basing the payment on current balance versus available balance at DCU.