Making American Express Credit Card Payments Electronically
There are a number of advantages to making your American Express credit card payments electronically, which may be why more and more consumers are opting to pay their bills online. Paying your American Express bill online means you don't need to pay for a stamp each month, you can schedule automatic payments so you never forget to pay your bill on time, or you can choose exactly when your payment will post to your account on a month-by-month basis.
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Instructions
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Visit the American Express website and click on the link titled "Create an Account." The link is located near the upper left corner of the page under the American Express logo.
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Enter your credit card account number from the front of your American Express card and the four-digit card ID number located above the account number. Follow the online instructions to verify your identity and create a user name and password for subsequent account access.
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Register a bank account from which you will make payments to your American Express card. You will need to know your bank account number and the bank's routing number. These can be found on the bottom of one of your checks, or by asking the bank directly if you don't have a checkbook.
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Pay your bill by logging into your online American Express account with your user name and password. From the Summary of Accounts tab, choose "Pay Bill." You can choose to set up recurring payments or make a one-time payment.
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Choose the bank account you wish to make your payment from if you registered more than one account.
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Click the button next to "Minimum Due," "Current Balance" or "Other Amount" depending on the size of the payment you'd like to make. When choosing "Other Amount," type an amount into the text entry box.
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Choose the date you'd like the payment to post to your account, then click "Continue."
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Check the box next to "I have reviewed and agree to the Terms and Conditions for this payment."
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Click "Submit." Your payment is now scheduled.
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Tips & Warnings
You must have your credit card handy to register your account since the four-digit card ID is not located on your monthly billing statement.
When making an electronic payment for the first time, it's a good idea to schedule the payment a week or so before its due, then check that it's been applied to your account successfully before the due date to rule out any problems with the way you entered your banking account information.
Avoid accessing your American Express account from a computer other than your home computer or personal laptop. If you must schedule online payments from a public computer, be sure you log out of your account before leaving the computer unattended.
