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Will a single late (5 days) payment disqualify me for a Centurion Card?

Will a single late (5 days) payment disqualify me for a Centurion Card?

Old Jul 9, 20, 8:57 pm
  #1  
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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?

Last edited by newbie88; Jul 11, 20 at 6:39 pm Reason: clarification
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Old Jul 9, 20, 9:18 pm
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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
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Old Jul 9, 20, 9:23 pm
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Originally Posted by paperwastage View Post
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
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."
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Old Jul 9, 20, 11:33 pm
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Originally Posted by newbie88 View Post
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."
If it was just an one off time being late, and accounts are otherwise in good standing shouldn't worry.

Five days falls under "stuff happens", and is no where nearly bad as >20 or even hitting thirty days.
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Old Jul 10, 20, 7:10 am
  #5  
mia
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Originally Posted by newbie88 View Post
The person I spoke to says "no, it won't be a disqualifying event so long as you meet the other criteria."
Same person who gave you this misinformation?

Originally Posted by newbie88 View Post
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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Old Jul 10, 20, 7:57 am
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Originally Posted by mia View Post
Same person who gave you this misinformation?
Different person.
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Old Jul 10, 20, 3:16 pm
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Originally Posted by mia View Post
Same person who gave you this misinformation?
@mia is this deal breaker?
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Old Jul 10, 20, 3:20 pm
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No, it is not.
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Old Jul 10, 20, 6:05 pm
  #9  
mia
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Originally Posted by newbie88 View Post
....is this deal breaker?
Unlikely, however, a dishonored payment (bounced check) likely would be.

Last edited by mia; Jul 10, 20 at 10:03 pm
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Old Jul 10, 20, 8:02 pm
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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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Old Jul 11, 20, 6:04 pm
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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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Old Jul 11, 20, 6:34 pm
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Originally Posted by GundamWing01 View Post
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.
Thanks for the advice. I tried but it didn't take. How would I go about it?
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Old Jul 11, 20, 7:05 pm
  #13  
mia
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Originally Posted by newbie88 View Post
How would I go about it?
Only moderators can edit Thread Titles. I will change this one to more fully reflect the actual question,
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Old Jul 11, 20, 7:06 pm
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Originally Posted by mia View Post
Only moderators can edit Thread Titles. I will change this one to more fully reflect the actual question,
Thank you
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Old Jul 12, 20, 2:15 am
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Originally Posted by newbie88 View Post
Thanks for the advice. I tried but it didn't take. How would I go about it?
looks like mia changed it for you. now it will be easier to get input from other cent members. so what amount are we talking about here? looks like you participate in other cent threads so you already know about the very high spend req. did you miss a very large plat personal/biz payment? in the end, your entire account and relationship with amex is manually reviewed. meaning eyes on your account. they will look at your history over time and ability to pay or stay solvent. being late wont do you any favors, but its trivial compared to the millions in spend you will be doing. everything essentially comes down to a closed door black box boardroom circus. anything could happen and anything could be taken into consideration.
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