For your security, this online session is about to end due to inactivity. If you want to extend your session, please select the 'Continue' button. If you select the 'Log Out' button or do not respond, your session will automatically close.
Click Log Out to end this session
Click Continue to extend your session
Welcome to American Express Live
Chat! The next available Customer Care Professional will be with you shortly.
For quality assurance, this chat may be recorded and monitored. For your
security, please click “END CHAT X” to close this chat window before leaving
your computer unattended or when chat is complete.
You are now chatting with Percy.
Percy: Hi, welcome to American Express Chat. My name is Percy. How can I help you today?
Percy: We have not heard from you for some time. Do you wish to continue to chat?
Percy: Since we have not heard from you for some time, we will now end this chat. Please click to chat with us again if we can be of further assistance.
you: No wait! I was chatting with someone else and it dropped.
Percy: Sure, please do not worry at all.
Percy: I'll be glad to assist you with everything.
Percy: I am here to help you.
Percy: I see that the chat has been disconnected in between.
Percy: Please do not worry at all.
you: yes
Percy: I am here to help you.
you: so... the other guy was looking into my question. I'm simply trying find out how to have the total amount due on my account paid in full automatically every month without having to do anything else.
Percy: I would like to inform you that whenever you setup an AutoPay can only be set up for
Current Balance on the account not for the Outstanding Balance.
Percy: However, I can check for you whether the AutoPay has been successfully setup on your account.
Percy: Am I chatting with Jan?
you: I'm not sure I understand what that means. If I start from zero — no balance — won't I
you: yes
Percy: Thank you for confirming.
you: so
Percy: In order to continue, I need you to answer an identification question. Your chat window will expand to the right with the question, please answer it in the space provided.
you: if I start from zero, with no outstanding balance, like right now, since I just manually paid the outstanding balance
Percy: Please answer the secure form.
The agent has sent you a secure form
you: Ok. I put in my secure pin number. Any chance we can get this over with?
Percy: Sure, please do not worry at all.
Percy: I'll be glad to assist you with everything.
Percy: I am reviewing your account.
you: if I start from zero, with no outstanding balance, like right now, since I just manually paid the outstanding balance, shouldn't autopay be paying the full balance each month going forward?
Percy: If you enroll for AutoPay you can pay up to the Current Balance using your AutoPay feature.
you: What does "Current Balance" mean? Please answer my question. If I start from zero, with no outstanding balance, like right now, since I just manually paid the outstanding balance, shouldn't autopay be paying the full balance each month going forward?
Percy: The AutoPay will not go through if the payment has been made manually before 48 hrs prior to AutoPay date.
you: I'm not asking about this payment. I have not been automatically paying the "current balance" each month, as I understand it, for some reason I don't understand.
Percy: Sure, let me explain you about the Current Balance..
Percy: The Current Balance on the account means the balance due each month which you need to pay by payment due date.
you: You mean the Current Balance does not mean the current balance?
you: In other words, by balance due each month, you mean the minimum payment due for that month?
Percy: If you go on the Pay Bill page you will see three options for making payments.
you: Then what is the current balance, if it is not the total amount that is due on the account when I am looking at my account on here like right now?
Percy: Outstanding Balance is the total balance of the full current (statement) balance and the new charges (unbilled) which are yet to be billed when your next statement closes.
Percy: Outstanding Balance = Statement (current) Balance + Unbilled (new charges), be rest assured you need to pay just the current balance to avoid any late fee or interest charges.
you: I know there are different payment options. I am only asking about one option — Current Balance — that it offers here which seems like it should be the amount that I owe at this point in time.
you: According to what you just wrote, I should have at least paid the full amount owed in the preceding month. That does not appear to have been the case.
Percy: I see that you just paid $444.08 on the account today
Percy: so you've basically made a payment for the outstanding balance on the account.
you: Yes, but that outstanding balance included the current balance for the preceding month — right?
Percy: Correct.
you: So that current balance for the preceding month should have been automatically paid last month since I had set up autopay, and it obviously was not.
Percy: Yes, I see that the Autopay for $247.50 is set up with the debit date of 12/16.
Percy: So, the Autopay for the current month would have gone through on 12/16.
Percy: However, as you just made a payment of $444.08
Percy: the Autopay will not go through for this month.
you: So... in other words, there will be a period of time when my account balance will reflect two months' worth of my current balance?
Percy: Correct, however, the outstanding balance is always due on the next bill.
Percy: So, for this month, you just needed to pay $247.50 by 12/22
you: That is not very clear at all. Nor is it convenient for someone who wants to AUTOMATICALLY pay down the account each month to zero.
Percy: Okay, to bring the account balanced to $0.00 each month, you can pay the outstanding balance each month.
you: But that’s what I’m trying to do. What I think you mean is that I cannot do this through autopay, yes?
Percy: You can pay the outstanding balance each month.
you: I know that, but I want to do this automatically.
Percy: No, for AutoPay, you will get an option to also pay the current balance on the account each month.
Percy: However, what you can do for this is
Your session is about to expire.
For your security, this online session is about to end due to inactivity. If you want to extend your session, please select the 'Continue' button. If you select the 'Log Out' button or do not respond, your session will automatically close.
Click Log Out to end this session
Click Continue to extend your session
Welcome to American Express Live
Chat! The next available Customer Care Professional will be with you shortly.
For quality assurance, this chat may be recorded and monitored. For your
security, please click “END CHAT X” to close this chat window before leaving
your computer unattended or when chat is complete.
You are now chatting with Percy.
Percy: Am I chatting with Jan?
you: yes
Percy: Thank you for confirming.
you: Are you Percy?
Percy: In order to continue, I need you to answer an identification question. Your chat window will expand to the right with the question, please answer it in the space provided.
Percy: Please answer the secure form.
The agent has sent you a secure form
you: Alright! I've put in my secure pin number AGAIN. Please can we get this over with?
Percy: Sure, please do not worry at all.
Percy: I'll be glad to assist you with everything.
Percy: I am reviewing your account.
Percy: the manual payment that you make will go through, and the AutoPay for the current balance will go through as well
Percy: which means the balance will be zeroed out this month.
you: Okay, or at least I think I understand now. I have to make a manual payment each month in addition to the autopay to bring my balance to zero each month, even if I use AutoPay. Yes?
Percy: With AutoPay, you pay the current balance on the account each month.
you: fine...thanks, but my question was
Percy: You're most welcome!
Percy:
Percy: We have not heard from you for some time. Do you wish to continue to chat?
Percy: Since we have not heard from you for some time, we will now end this chat. Please click to chat with us again if we can be of further assistance.
Your session is about to expire.
For your security, this online session is about to end due to inactivity. If you want to extend your session, please select the 'Continue' button. If you select the 'Log Out' button or do not respond, your session will automatically close.
Click Log Out to end this session
Click Continue to extend your session
Thank you for chatting with us. Please click the "End Chat" button on the top right of the chat window to tell us how we did today.
Information sent successful
About the author
Bruce Jay Baker recently retired after a long career practicing law and has returned to his original passion for creative writing. He is thoroughly enjoying his new life and looking forward to a few good years of contemplating his time in time through his writings.
Did you enjoy the story? Would you like to shout us a coffee? Half of what you pay goes to the writers and half towards supporting the project (web site maintenance, preparing the next Best of book etc.)
No comments:
Post a Comment