Will a single late (5 days) payment disqualify me for a Centurion Card?
Jul 9, 2020, 8:57 pm
#1
Original Poster
Join Date: Mar 2010
Location: San Francisco, CA USA
Programs: Hyatt Diamond, UA Mileage Silver, Hilton Gold
Posts: 47
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, 2020 at 6:39 pm Reason: clarification
Jul 9, 2020, 9:18 pm
#2
Join Date: Jun 2012
Posts: 3,384
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
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
Jul 9, 2020, 9:23 pm
#3
Original Poster
Join Date: Mar 2010
Location: San Francisco, CA USA
Programs: Hyatt Diamond, UA Mileage Silver, Hilton Gold
Posts: 47
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
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
Jul 9, 2020, 11:33 pm
#4
Join Date: Sep 2014
Posts: 777
Five days falls under "stuff happens", and is no where nearly bad as >20 or even hitting thirty days.
Jul 10, 2020, 7:10 am
#5
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Jul 10, 2020, 6:05 pm
#9
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Jul 10, 2020, 8:02 pm
#10
Join Date: Oct 2019
Location: PDX, OGG or between the two
Programs: AS 75K
Posts: 2,866
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.
Jul 11, 2020, 6:04 pm
#11
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
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.
Jul 11, 2020, 6:34 pm
#12
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Join Date: Mar 2010
Location: San Francisco, CA USA
Programs: Hyatt Diamond, UA Mileage Silver, Hilton Gold
Posts: 47
Jul 11, 2020, 7:05 pm
#13
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
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Posts: 48,958
Jul 11, 2020, 7:06 pm
#14
Original Poster
Join Date: Mar 2010
Location: San Francisco, CA USA
Programs: Hyatt Diamond, UA Mileage Silver, Hilton Gold
Posts: 47
Jul 12, 2020, 2:15 am
#15
Join Date: Sep 2017
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Posts: 1,073
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.