Will a single late (5 days) payment disqualify me for a Centurion Card?
I just had a late payment which I paid by about 5 days. Does this basically disqualify me for a Centurion card?
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crystal ball says maybe
if it's a non-amex card late payment, amex will probably not know (late payments only get reported to credit bureau after 30 late days, not after 5) if it's an amex card late payment, amex will have that data point and use it somehow in their blackbox/hidden decision making process, that no one outside of amex is privy to |
Originally Posted by paperwastage
(Post 32520862)
crystal ball says maybe
if it's a non-amex card late payment, amex will probably not know (late payments only get reported to credit bureau after 30 late days, not after 5) if it's an amex card late payment, amex will have that data point and use it somehow in their blackbox/hidden decision making process, that no one outside of amex is privy to |
Originally Posted by newbie88
(Post 32520869)
Its an amex business card. The person I spoke to says "no, it won't be a disqualifying event so long as you meet the other criteria."
Five days falls under "stuff happens", and is no where nearly bad as >20 or even hitting thirty days. |
Originally Posted by newbie88
(Post 32520869)
The person I spoke to says "no, it won't be a disqualifying event so long as you meet the other criteria."
Originally Posted by newbie88
(Post 32496571)
I spoke to a Centurion rep recently and they stated that Amex was not currently issuing [Centurion] invites during this pandemic.
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Originally Posted by mia
(Post 32521450)
Same person who gave you this misinformation?
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Originally Posted by mia
(Post 32521450)
Same person who gave you this misinformation?
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No, it is not.
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Originally Posted by newbie88
(Post 32522504)
....is this deal breaker?
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Apples and Oranges but I had a late payment due to a lost check with ATT Universal and they were super cool about it. My wife was using the teaser rate for a loan and was sending a check (don't ask.... she still sends checks for everything for some reason). I caught it online before I got anything the mail and called immediately. The guy on the phone was great.... I think he could hear the panic in my voice. Normal payment was around $800 and I gave them 2K directly off my checking account. They waived all the fees and let me (my wife) keep the terms of the 0% interest. I don't have any experience with Amex but if you have a solid history I think banks are pretty forgiving.
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OP, you should have created a better title for this thread. youre going to get confused responses or not receive the answers you seek. especially because this is about a very specific card.
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Originally Posted by GundamWing01
(Post 32524895)
OP, you should have created a better title for this thread. youre going to get confused responses or not receive the answers you seek. especially because this is about a very specific card.
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Originally Posted by newbie88
(Post 32524924)
How would I go about it?
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Originally Posted by mia
(Post 32524953)
Only moderators can edit Thread Titles. I will change this one to more fully reflect the actual question,
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Originally Posted by newbie88
(Post 32524924)
Thanks for the advice. I tried but it didn't take. How would I go about it?
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