Experiences paying Amex (slightly) late


I own a small business. I regularly use my Amex Platinum charge card for business expenses and have been doing so for about 3 years. Never had a problem.

Recently, we’ve had several customers dragging their heels paying us. None of them are insolvent or unwilling to pay, it’s a mix of people being on holiday etc.

I have just under £8k due on my Amex account on 06/06 (“payment due date” in the app). There is about a 50% chance I’ll be able to pay it by the due date, and a 50% chance I’ll have to pay it late, but less than a week late.

There are lots of questions on this forum along these lines but has anyone actually got experience paying a UK Amex charge card slightly late? What impact did it have? Given my situation, is it sensible or stupid to call Amex and tell them that it MIGHT be slightly late?

I found an interesting thread in Flyertalk suggesting that the due date they show you isn’t the one they enforce (https://www.flyertalk.com/forum/american-express-membership-rewards/1526010-amex-uk-charge-card-due-date-2.html) but this seems to contradict the cardmember agreement I signed with them.

I am thinking of leaving Amex and the £12 fee is not a big deal. My only real concern is my credit file.


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