AMEX confusion. Paid off my bill ending on July 11. I've spent $200 on it since then but the "Balance" is $1200. What gives?

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Hey @A1 thanks for the help man!

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Looking for a terminology clarification. "Charges vs "balance"

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@BA1? Did the charge actually post or just a hold on pending transactions?

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Call amex lol

When did you pay off your bill?

There were probably about $1k in pending charges when you paid your bill. When you use a credit card the charges don't automatically get posted to your account, they're accounted for in your credit limit but there's a verification process there before you're actually billed for them

I noticed I got charged $93 for a $30 gas tank fill up for some reason.. gonna call today. Not sure if it's on Amex or the shitty NJ gas station haha

No, it's the terminology Amex uses. Charges v balance. Give them a call they will explain. Panicked over the same thing like 5 months ago.

The last payment was for the last billing cycle. The billing cycle usually ends about 20-21 days before your Pay date. So the charges start building again ...

Are you new to credit cards?

No I'm not new to CCs at all! I don't understand sometimes the terms amex uses. To put in perspective:
I haven't bought anything in two weeks because I'm on PTO. The charges are 200$ and the balance is 1200$ and I paid off the bill LAST NIGHT. Something just doesn't make sense

And no pending charges yesterday or when I paid the bill. I checked.

Pull up your last statement and look for the billing cycle date. You should see what I'm talking about.
E.g. If the billing cycle is Jun 1-Jun 30 that's the bill you may have paid in full. Then the balance on the card may be any charges from July 1 to today, which will show up on the statement for your July 1-July 31 billing cycle

Billing cycle is 11-21st. I get what you mean

👍

The payment may not have hit your account yet since it's the weekend

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