Anonymous wrote:

Anonymous wrote:

Anonymous wrote:how long has it been since they assessed the fee? 30 days and I'm with you. 90 days and not so much.

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.

But when was it originally due?

It sounds like you were more than 30 days late.

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.

Anonymous wrote:Credit reporting agencies only report payments that are over 30 days late -- so this has to be more significant than 2 days late?

I agree. Something about this story is not making sense.

Anonymous wrote:

Anonymous wrote:how long has it been since they assessed the fee? 30 days and I'm with you. 90 days and not so much.

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.

But when was it originally due?

It sounds like you were more than 30 days late.

Credit reporting agencies only report payments that are over 30 days late -- so this has to be more significant than 2 days late?

Anonymous wrote:Fuck amex.

I paid my bill and closed my card.

It dinged my credit score though because amex was one of the first cards i opened and by closing it looks like i have been using revolving credit for less time than i actually have.

it was worth it though to not have to deal with these fuckturds any longer.

they are deplorable bottom feeders

Don't blame AmEx for the FICO credit formula.

This is strange. I also have an Am Ex (have had it for YEARS) and had baby brain a couple of months ago and was a week late paying my bill. It did not effect my credit at all. I would call again because something doesn't sound right here.

Anonymous wrote:

Anonymous wrote:If you are never late, I would ask them for a one time change. I have a hard time believing it caused your credit score to drop 50 points.

Oh, and I was wrong. It went down from 769 to 694 and the credit change was attributed to the Am Ex report. I get myfico score alerts, and that was the reason for the change. A 73 point drop over a 1 week period because of Am Ex.

75 (OP again, but clearly too upset to do simple math).

They outsourced a long time ago. I closed my amex ever since the day i called and needed to speak to an english speaking american about an issue and got someone in india who didnt understand what i was saying.

Anonymous wrote:If you are never late, I would ask them for a one time change. I have a hard time believing it caused your credit score to drop 50 points.

Oh, and I was wrong. It went down from 769 to 694 and the credit change was attributed to the Am Ex report. I get myfico score alerts, and that was the reason for the change. A 73 point drop over a 1 week period because of Am Ex.

Anonymous wrote:If you are never late, I would ask them for a one time change. I have a hard time believing it caused your credit score to drop 50 points.

I did ask them and the supervisor (based in the Philippines, I am sure) said no, he was sorry. He certainly understood what I was saying but unfortunately he cannot do anything. If I decide to cancel my card, that is of course my decision, but he unfortunately cannot remove the charge. I felt like I was talking to a machine that was just able to vomit back what the manual told him. This is not someone who gives a shit about the corporate reputation.

I got the corporate address and am going to try to write them, but it is really frustrating.

If you are never late, I would ask them for a one time change. I have a hard time believing it caused your credit score to drop 50 points.

Anonymous wrote:how long has it been since they assessed the fee? 30 days and I'm with you. 90 days and not so much.

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.

Fuck amex.

I paid my bill and closed my card.

It dinged my credit score though because amex was one of the first cards i opened and by closing it looks like i have been using revolving credit for less time than i actually have.

it was worth it though to not have to deal with these fuckturds any longer.

they are deplorable bottom feeders

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

I never use my AmEx card, and so I neglected to open the statement which contained the annual fee. So I was late a month. It went to the credit bureau, and Am Ex says it can't remove the fee. I said then I want to cancel my card, and please send back the $125 I just paid for this year's annual fees, which I obviously won't need to pay, and he said that if they sent me a refund check, they would continue to report an unpaid balance of $125 a month to the credit bureau every month.

I am so mad. It's not like I missed a payment when I used the card. It's their stupid annual fee. If I didn't pay it, cancel the card. Don't report it to the credit bureau and lower my credit score by 50 points.

Do you have any ideas?