I had a Amex CC autopay from a bank account I had closed. I had changed it but too close to the payment date so it went through and says it was paid by old bank and credited my account. I made another payment assuming it would be reversed a day or two later.

It's been a week and it still says paid and my old bank login shows closed/$0 balance. Do I just wait and assume Amex will eventually reverse the credit? Is my old bank eventually going to send me a bill with an overdraft/ISF penalty?

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You can preemptively contact Amex and just confirm it’s all set. They can confirm what’s on their end and give you that piece of mind.

You could also contact the bank. I’m not sure what their process is, but if the account is closed it’s likely they just rejected the transaction. However, it doesn’t hurt to call and ask.

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