I was planning to do a Reward pay payment nearly 5x my explorer limit last week.
I was told that I could go up to $10k in credit and they took a payment over the phone all I had to do was give them my bsb and account to direct debit. Funds were instantly available even though Debit wasn't processed for a few days.
Was told I could then spend my limit plus the $10k credit.
I could then re-load by calling them to do another direct debit to take my account back to $10k in credit and do it again.
I didn't end up going through with the payment as things changed but my account was in credit $10k and my card wasn't frozen.
You may be allowed to go a little into credit (Amex should be able to confirm how much specific to your account) then re load without the wait associated with BPay but arrange it first before you commit to making your payment to avoid disappointment.
Local banks are more flexible. Not sure if it's just an American thing as US banks won't allow you to go very much in credit either. Just a matter of working in the system. Your credit limit doesn't limit how much you can spend each month as long as you keep reloading.
I was told that I could go up to $10k in credit and they took a payment over the phone all I had to do was give them my bsb and account to direct debit. Funds were instantly available even though Debit wasn't processed for a few days.
Was told I could then spend my limit plus the $10k credit.
I could then re-load by calling them to do another direct debit to take my account back to $10k in credit and do it again.
I didn't end up going through with the payment as things changed but my account was in credit $10k and my card wasn't frozen.
You may be allowed to go a little into credit (Amex should be able to confirm how much specific to your account) then re load without the wait associated with BPay but arrange it first before you commit to making your payment to avoid disappointment.
Local banks are more flexible. Not sure if it's just an American thing as US banks won't allow you to go very much in credit either. Just a matter of working in the system. Your credit limit doesn't limit how much you can spend each month as long as you keep reloading.