Reply to Credit record dinged because of Am Ex...what would you do?

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Reply to "Credit record dinged because of Am Ex...what would you do?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]how long has it been since they assessed the fee? 30 days and I'm with you. 90 days and not so much.[/quote]

They assessed the fee on May 25.  I paid the bill about 2 days later (immediately got a notification of a credit score change and paid it), and called today.
[/quote]

But when was it originally due?

It sounds like you were more than 30 days late.

[/quote]

OP here.  Yes, I think it was between 30-60 days.  I didn't get any bills from Am Ex, but it was my negligence not to look online.  But it was because I don't ever use the card and haven't used it in a full year.  I understand I have to pay my bills.  But this wasn't me forgetting to pay my credit card that I use.  It was an annual fee from the card itself.  It seems a little like extortion.  This was their annual fee for NEXT year.  If I didn't pay it, cancel my damn card.  Don't report it to a credit agency and then refuse to remove the report after it has been resolved.  This is their fee for me to continue to be their customer.  If I haven't paid it, it seems Draconian to destroy my credit score, no?

Anyway, I'm reporting it to the BBB.  I know I'm ultimately at fault -- my issue is that my fault was very small (it was $125 annual fee, for goodness sake) and their reaction was very large.[/quote]

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