I sent a payment to American Express last week. Today I got notice from my bank that it bounced due to the bank's opting to put a hold on a check I deposited from a client. Prior to this, I have had the AmEx card for one year and I made one late payment last March. It was one day late, but I have really been paying for it ever since. My card gets "referred" a lot, and when I call they always mention that I made that one late payment a few months ago. Naturally since then I have been trying to have a perfect payment record with them. Once when I called I asked the guy how long this late payment was going to "haunt" me, and he said about five months. Well, that would be right about now, but now this has happened! So here is my question for anyone who may know the answer or may have experienced this. Is this NSF check going to affect me as badly as if I had made a late payment? Is it worse than a late payment? I can cover the check immediately (all I have to do is get the funds from another account). Also, if it would help, I can send them a copy of the notice I got from my bank that the deposit I made was being held, so it should show them that it wasn't an intentional NSF. I am just really, really upset that this happened and I want to know how badly I have now screwed up my relationship with AmEx.