If in Amex interface go to Payments -> Recent Payments,
than all bill pay entries are marked as Method:"Check" (WM's BP, BB, other prepaid BPs),
opposite to Method:"Computer" for payments initiated from Amex interface.

At least for user there is no difference between WM's BP and any prepaid account's BPs.


Another thing is that some banks like Citi disallow mid-statement payments from their own interfaces. (Amex looks like limits mid-statement payments from it's interface. Chase is OK with such.)
Thus they might dislike any attempts to overcome that limitation via ANY bill pay...

Might be worth trying again but for $498.05

Only took three days of hitting the MVD hard for me to get shut down. I had the card for about a month. They claim with my DL and SSN card they'll be reactivating it for me in 24-72 hours. I'm going to load my last $500 VR to it and then liquidate once that happens.

life goes on, as do OneVanilla purchases^

So $10K x 3 a month on the maximum 3 perm MVDs not enough to meet your need?

It is not AMEX it is another bank which name escapes me at the moment since I dont ever do any BP, whatever I have read or been told, basically is just like water over duck's back if you understand what I mean. ;)

Have you ever checked the Payment Summary screen on your AMEX cards?

When I go into the Payment Summary screen,

I see my AMEX cards mark the BB payments as "Check"

Date Status Confirmation Method Bank Account Amount
Oct 24, 2013 Paid Not Applicable Check XXXX0000 $ 1648.20

On the Activity screen it shows Electronic Payment but on the Payment Summary screen it shows Check.

The only other payment method I use to pay any CC, is the direct pull from the CC side to the linked bank. In this case, AMEX shows the Method being "Computer" and has a Confirmation Number which is generated when I submit my payment.

Citi allows mid-statement payments up to the current balance plus 7.5%.

AFAIK the only other limit is if it's a newly added bank account and then the maximum payment is the last statement balance.

I'm probably experiencing the latter case... Last statement is 0 (paid off before), no payments above that are granted via their web interface...
Also was not able to pay towards not yet settled transcation via the web interface.

But you can go in to any branch and ask to pay off the balance from checking at any time.

Yes, I think you need to have had a balance on your previous statement before you can make your first mid-cycle payment with a newly added bank account. I believe that after you make your first payment you can then make payments up to your current balance plus 7.5% (corrected my original post). Pending payments do not count towards your current balance. Also, when making a payment from a newly added bank account there may be a longer delay before the payment is reflected in your available credit line.

I believe you can also make payments from Citi's banking website at any time.

Yeah, branch works. I don't have checking with them, but physical cash taken from other bank checking does the trick. Beauty is instant effect - e.g. CL reinstatement.
BP works fine too. With natural delay.

Paying CC bill with cash at branch works but doing it regularly might not be a good idea.

agree

I thought about that, but didn't ask the teller to try it because at that price, I'd be better off just using two $500 Visa GCs to buy a $999.30 MO at WM for a cost of $5.30 ($4.95 + $0.70/2) to manufacture $504.95 of spending, versus a cost of $5.90 ($3.95 + $1.95) to manufacture $503.95 with the MVD CA. Sure, I'd save myself the trip to WM, but I'd have to go there anyway to buy MO with $200 GC and my PayPal debit card.

Monthly limit is actually $3,750 per card with the $45k annual limit, but yes, I do a lot of MS. It's not so much a question of meeting a need as scaling up an opportunity because I can and it is profitable.

I apologize if this has been covered recently. I have read the whole thread a while back and I check in from time to time.

Does this 45k/year apply to all cards for a single SSN? Does 45k limit include CA?