We'd like to know what YOU think about American Express Cards. Please leave your comments in this public discussion, feedback, free speech area, so we can share your thoughts with other American Express card users or prospective users. Amex themselves do not provide this service, and wished to stop us doing so. To see why, click Amex why.
We believe there should be the freedom to say what our experiences are, as long as they are true and non abusive, so please, keep it clean and keep it honest.
Click to access The pre 2008 American Express Card Archive - Newer posts are at the bottom of the page.
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Date: 23/01/2008
I have been a member for 24
years and never had a problem.
Date: 23/01/2008
I recently looked at my
American Express bill online and noticed that AMEX was charging outrageous
late fees and additional charges. Some charges were the same day!! I
contacted AMEX and explained that on a $5,000 credit limit - over $1,200
came from fees. I was extremely upset and asked if I could do anything. I
was told that I should have "done a better job looking at" my bill. I work
2 jobs and go to school - all my billing is done online. I never received
a phone call regarding my account.
Date: 23/01/2008
I have worked for amex and have
their card and I can tell you now that they suck. You go to pay the bill
online to pay it off after knowing you have made charges on the card. Not
only does it over 24 hours and sometimes days to show up as an outstanding
balance on the online statement but where is says balance or payment due
it says $0 and is meant to trick people to thinking they don't have
anything to pay. tsk tsk.
I'm 19, and have had credit
cards for the past 13 months. I started out with $2,500 in collective
credit, and in the past year I have almost $10,000 in credit and a car
lease. I've never missed a payment and have charged somewhere in the low
five digits on the lives of the credit limits. Date: 08/02/2008
They suck, We did a balance
transfer at a low rate and in 3 months they jacked the interest rate up,
when we asked about it they something about reading the fine print. That
is BS they knew what they where doing. Date: 08/02/2008
I had an 8,000 dollar AMEX
Delta Gold card sent to me in 2004-2005. I used it fairly often and kept a
balance of around 1500-3000 dollars with regular payments made slightly
above minimum. I do work overseas so occasionally I would miss a payment
and double up the next month. But I would also occasionally make a much
larger payment to reduce my overall debt. Date: 09/04/2008 American Express sucks! I tried to be very calm when dealing with American Express, but they simply drive me crazy. I applied for American Express Corporate card and it took 3 months and 3 credit cards for them to get it right what was worst... I was an former American Express employee, and they can not even deliver the card correctly to the American Express Headquarter. Now that I am at a new company, I applied for American Express Corporate Card and again, they did not get it right. When will they get it right? Date: 09/04/2008 What nonsense...I've been an AMEX member for 26 years. Sure I've had the occasional problem with a vendor, but AMEX promptly took care of it. This garbage of AMEX supposedly suspending your account because the payment was not received by the due date is a partial truth. If you demonstrate in increasing pattern of late pays AMEX will ultimately terminate your ass. Date: 09/04/2008
My brother and I are internet marketers our company is RoMac Marketing Group working with The Rainmakers) and spend frequently on advertising for our website, to spread the word about our amazing product My Internet Business (shameless plug I know :-)), and we used to use American Express for a lot of our transactions. We paid our bills on time and usually paid just under the entire amount due each month. Well they cancelled our card because of our perfect credit history with no warning! I guess doing the right thing and making enough money to pay all your bills is something American Express feels they should punish you for! NEVER again will we use their services, especially for business purposes!! Date: 09/04/2008
This is a copy of letter I sent to American express recently. "I do not know who you are but you must be some one important at Amrerican Express. If you are not, forward this to some one who is. I am a customer of American express for last 25 years. First I had a regular card, then a gold and now a Platinum. I have always paid my bills on time. I have a credit score above most people. I am about to cancel my card. I recently tried to make a purchase from apple computer, to be delivered to my office address (that I have had for last 13 years). Card got declined for "security reasons". Since that time I have made FOUR phone calls. Last time I was on phone for 31 minutes. I got some Chinese person who kept saying "I understand your problem (which they did not) and I am sorry you had a problem (which they were not)". I have no problem with the Chinese and I think they are great people, but they had no ability to make any type of decision as they appeared to be some low level call center people. I still have not been able to resolve the problem even though I assured them that I did order the product from Apple. I asked to talk to a supervisor and sent an e mail to that effect. So far no response. Let me help you understand what this means in real business terms. I have ordered several computers from Dell. The apple was going to be part of the net work. I am a busy physician with staff of six. I had to change my installation schedule because of incompetence of Amreican Express people who still have not resolved my problem. Tomorow I will use my Visa or Discover to get this thing taken care of. I cannot cancel my American Express as I have important trips in April and may (Hyatt Regency Chicago booking can be viewed on my account along with American Airlines tickets for April 18, Holiday Inn Boston two suites May 18 for my daughter's graduation), but rest assure that I will not be a sucker and pay for this expensive card for less than average service after that. Hence forth I will never use my card unless it is for incidental expenses. I wish I can pass this to the Chairman of your company, but not having their E mail, I thought I would write to you. I will bring up this matter on any blogs, discussion boards etc. to educate people about the potential misfortune of having a Platinum card from your company. I am angry and helpless but I can help others from not being in my predicament. So far the Chinese phone operators have not been able to get me any one who can give me a straight answer." Date: 09/04/2008 They stiffed me by sending a balance xfer offer at 4.99 percent for life of balance. I signed up. The first statement shows up charging 14.99%. I call and I am told you missed the deadline for transfer by 2 days. In protest I questioned why the transfer was effected at this higher rate without any contact or consent from me. I get the "oh well we can't do anything about it, but offer 9% cards if you like. I did better and transferred it right the hell out of their greedy lil hands. They could have made a nice profit if they were reasonable. Since they were not I had the option to take it away and did. All this after they have been pestering me to re-open an account after leaving them for over six years. They remind me of Bank of America another den of thieves. Date: 09/04/2008 They lowered my credit to 500.00 because of an error on my credit report, which has since been corrected now amex refuses to restore my credit to its prior useable level unless I pay for a FICO report and send it to them I've never missed a payment or been late and pay my balance in full
every month Customer service tells me something different every time I speak to them Date: 09/04/2008 I had an Amex card for over 5 years. I started out with a green card, got updated to a gold card, and was offered platinum but declined because I saw no benefit and didn't want to pay the increased annual fee. I used it often, had things like my EZPass linked to it, etc. I paid it in full every month like you are supposed to. One day, I went to use it at a store I regularly shop at. It came up declined. They tried it 2x. I assumed it was some problem with their credit system so I paid cash I thought nothing of it, until I tried to use the card again a few days later someplace else and the same thing happened. So, I called Amex when I got home. They told me they did a "review" and closed my account because I had a delinquency on my credit report (not with them). This delinquency was due to a mistake by another company. They never called me or anything, just shut the card off. I had paperwork to prove it was a mistake and have even been able to get it expunged from my credit report. I could have gotten my Amex account reinstated but decided it wasn't worth it. I refuse to be embarrassed like that again at a store where I shop regularly. They can go screw. Date: 09/04/2008 "I'm freshman in college with just $3,500/mo in parental support, and I can manage an AMEX Card without bitching and moaning." Anyone who lives off the tit of mommy and daddy has no credibility to talk about the finances of others. Date: 09/04/2008 I use to like AMEX, seriously; I had no trouble with them for 7 years. Suddenly my card was canceled due to a credit snafu from ANOTHER lender (it was the lender's mistake mind you and I got it corrected). Without notice, they cut off my card, told me to repay in full right away or else they would report me to the credit agency's. So I paid off all my debt to AMEX; gathered evidence of my corrected credit and called back for reinstatement. They told me I had to make a new card; No one told me that I had 30 days to spend my points or else I would lose them (I had to discover that on my own). Needless to say; I don't have any rewards points; and I don't have an AMEX now. All I have to say now is, thank god; I'll use Citibank as an alternative -__-. Date: 09/04/2008 right now, I'm in a dispute. like most of you have been concerning amer express. the guy told me that they can go after my assets (house, car etc.) to reclaim the 3000.00 owed. is this possible??. yes, i did get behind, but they don't want to hear it, pay us total or we will make you pay. i offered 4 installments and they said nope. any help here.? Date: 18/06/2008 American Express gold I went in to a store to use the card I was told that I could not use the card till I paid my Bill I stated that I paid my last bill They said yes but if I want to use the card I had to pay my bill that they had not sent out yet. I stated that I paid my bill I was told that they have not sent out a bill yet. Send me the bill and I will pay it after 45 min I cancled the card I am just to dum to understand them I will not pay a bill I have not received Never again this card is notfor me My email add is nccr004ATaol.com I would like to know is it just me Date: 18/06/2008 If my 'circumstances' change, Mr Robert Garinger? Date: 18/06/2008 american express owes me 75,000.00 because the routing number to my
bank was changed by someone and i have not recieved any payments they
say they are responsible for only 90 days however someone else has got
my money fact is they screw everyone not just the buyer I hope
millions of people read this and if anyone else has processing
problems with them please lets start a class action suit otherwise
american express will continue screwing the people bastien,s restaurant
3503 east colfax ave, denver co 80206 Date: 18/06/2008 i have a bus.no doc unsecured account with amex,so six months later
they demand documents from me,i said no so three months later in the
middle of march 2008 they gave my account to a collection agency and my
payment wasnt due until march 30th and i wasnt behind on my account.
also todat june 1st amex collections called me at 8;50am i thought on a
sunday the hours of call is 10am to 4pm. Date: 18/06/2008 Have had a green card, blue card, and business card for about three years. Never paid late. In fact, I usually Pay in full on each card every month. EXCEPT; I just recently brought a house, therefore my credit score dropped about 30 points. I also used about $4250 out of my $10,000 limit blue card in order topay for some maintenance on the new house. I fully planned on running a balance and paying large amounts each month on the $4250 balance. But, while online, as I was getting ready to make my first payment on the $4250, I noticed that AMEX had reduced my credit limit from $10,000 to $4,000. They did this without even telling me. Thank God I noticed before I was embarrassed at a store. What's worse is that they caused additional havoc to my credit score because they reported my $4250 balance with their new $4000 credit limit to the bureaus. So that I look like I spent over my limit. That should be illegal! I paid $1000 immediately, but that won't even post to the credit reports until next month. Date: 18/06/2008 American Express sucks. Date: 18/06/2008 Here is my American Express horror story. I started out after I got
divorced three years ago with a "blue" card. Having been married 20
years and letting my husband do all the finances you can guess that I
quickly racked up debt on this card. When I was aware that it was just
too much debt and could not make the min. payments I went to Consumer
Credit Counseling Agency of Central Alabama (which is through United
Way). I worked out a deal to have my bank account drafted monthly for a
settlement in order to repay my debt. It should be known that I have
never tried to get out of this debt. I made it and I will pay it. Of
course I closed my account but here comes the fun part. After AMEX
agreed to the deduction from my checking account to the CCS of AL and
then on to AMEX, they sent me a letter from NCO collection services.
They said I had not made a payment in two months even though my bank
account had been drafted. Working with NCO (believe it or not they were
helpful) I found out that CCCS of AL sent my payment to the wrong place.
NCO called and worked everything out to fix the situation. So I think I
am good to go right? Well not so...I just got a call this week from an
attorney's office on behalf of AMEX about my unpaid bill. In the
meantime they have tacked on so many charges and interest that even a
$400.00 payment would go all towards interest and fees and nothing
towards the principle. Now they want me to come up with half the money I
owe or a least $1500.00 to put me back on a payment plan that is a
higher payment than before!!!! Even though they have gotten my money!
What is up with that??? Every time I am assured this is all taken care
of, it escalates even more. Now the attorney's office is threatening me
with garnishment even though I am paying. I finally had to tell them to
bring it on! No judge will garnish me for making the payments that I
(and AMEX) had agreed to. I have found NO ONE that has anything good to
say about AMEX and I am another one! I tell people to never, never get
an AMEX card!!! They will not work with you! Date: 18/06/2008 I have 2 Amex cards -- one we did not use, but used for a company
expense and are simply paying off. Date: 18/06/2008 They keep declining charges to the point that the card is useless. The only reason given is that it is their policy to flag questionable charges. The most recent declines were to Holiday Inn and Garmin International , two highly reputable corporations. They claim they can do nothing except cancel my account. They say security is handled by computers over which they have no control. Date: 18/06/2008 I have been a loyal customer for 15 years. Spend over $35,000 per year, but have a balance of $50K among all AMEX cards. Never missed a payment have a 695 score because AMEX slashed my credit line to just above my balance. Every time I make a payment they cut my credit. Told them I need 5 more points on my credit score to buy a house a better rate and to restore a portion of my credit line and they refused. I JUST CUT UP MY CARDS AND WILL NEVER USE AGAIN. I blame the loser CEO, but you can't criticize a minority for being a moron, just let them destroy your company. Date: 18/06/2008 Take this then ... Date: 18/06/2008 I had 5 amex cards and cancelled every last one. AMEX misapplied payments for 3 consecutive months of one of my cards to the wrong account. When I called to correct the issue by applying the negative balance I had on the account to the only card that I had with a balance - they assured me that it was done. Low and behold, it wasn't and they dropped all of my limits as I was received as a bad credit risk by their system. They didn't give a crap that it was THEIR fault. Done, finished, good night - I am never using their cards again. Date: 18/06/2008 I want to complain about the rude service I received this morning
from Israel Troncoso through your Spanish service on your 24 hour
customer service number 1-800-555-4313. I called to activate my card,
was asked my name and after his checking of the account, I was asked
again my name. He requested my last four social security number digits,
which I gave him. He then asked what was the amount of my last payment.
I told him that I did not have easily available my checkbook but I have
called yesterday and my account had been credited $45 fot its annual
fee. He insisted and I told him that it must have been a payment by
check and another online but I was actually connected to your website
and I would have to open my last statement. As soon as my statement
opened and I told him the specific amounts, he then asked which was my
last charge. Obviously uncomfortable already, I told him I could give
him my birth date, my address or any other information but that I
believe he was stretching unreasonably this inquiry. I complied about
the last charge question and he then asked my name for a third time.
Please tell me if you are going to take any action about this incident.
Mistresses Comment: Just to make this clear - we are not American Express - we are not going to take any action about any incident. We are purely providing a service that we think Amex themselves should provide but don't. i.e. publishing peoples opinions, whether good or bad. You need to take action if you feel agreived. Date: 18/06/2008 Have had a green card, blue card, and business card for about three
years. Never paid late. In fact, I usually Pay in full on each card
every month. EXCEPT; I just recently brought a house, therefore my
credit score dropped about 30 points. I also used about $4250 out of my
$10,000 limit blue card in order topay for some maintenance on the new
house. I fully planned on running a balance and paying large amounts
each month on the $4250 balance. But, while online, as I was getting
ready to make my first payment on the $4250, I noticed that AMEX had
reduced my credit limit from $10,000 to $4,000. They did this without
even telling me. Thank God I noticed before I was embarassed at a store.
What's worese is that they caused additional havoc to my credit score
because they reported my $4250 balance with their new $4000 credit limit
to the bureaus. So that I look like I spent over my limit. That should
be illegal! I paid $1000 immediately, but that won't even post to the
credit reports until next month. Date: 18/06/2008 I will not ever do business with American Express again. About 4 years ago I had to file for Chapter 7 because I over extended myself on my credit cards. Something I wish I never had done and take full responsibility for. I called them to rebuild my credit history with them. Though the agent was polite they were not helpful and would not let me speak to with a supervisor or anyone else higher up in the chain of command. I applied online and was declined based on that my previous accounts have been closed. The problem that I have is there is no phone number to call to get additional information from American Express. To me that is very poor customer service. I now do business with Citibank and they are much better and payments post without any problems. Date: 22/07/2008 i think there is a difference between my personal gold card. eg.
great, polite, service, etc, i have easily charged ,10,000+ a month or
more, for 30 years, and paid every due date in full, as it was not a
revolving account, of course.... Date: 22/07/2008 After 29 years as an AmExp gold card member, they declined charges on Dec 16, 2007 while trying to pay for a company luncheon. I had NO other card with me. I called and was placed on hold three times and finally disconnected because no one could figure out why the card was being declined; it showed a past amount due but they could not find the amount. They ended up cancelling my account because I was "behind" 9 days??? All this while I have 95000 points in my account. Due to the cash flow problem this caused right at Christmas, I had a very difficult time catching up...I am now happy to be WITHOUT my AE card and I advise everyone to stay away. My husband also cancelled their company use of the cards and switched to Visa. Date: 22/07/2008 After 15 years of membership I cancelled them last night. I received
two letters in two weeks stating that my charging privileges were
suspended because I WAS USING MY CARD TOO MUCH even though I never
missed a payment. After paying $1000 to re-instate my "privileges" the
first time, I thought I was okay. Then I went to apply for a 6 month
same as cash credit line and was declined. That night I got another
letter from AMEX stating that my charging privilege had been suspended
AGAIN. I called up and cancelled. F*** AMEX. If I ran my business
like they run theirs I wouldn't have any customers left. Good *-in
riddance. Date: 22/07/2008 what are the limitations on the free companion fare? Date: 26/07/2008 I'm from the UK and I'd like to point out that the service we get
over here is as bad as what you guys seem to get. I have had my Amex
Blue card for years. Initially I was given a limit of £8000. I started
a job which entailed flying to Orange County every few weeks and staying
there for extended periods of time. The end client hit financial
troubles and as a consequence, so did I. At one point they owed me
£30,000 (about $60,000) and all the while I was incurring expenses left
right and centre. Yes I had missed a few payments, but made more than
the minimum a day or two later, while incurring their late payment fee.
I managed to get an invoice paid and paid off £2000 from my Amex card.
On the way back to LAX I had to refill the car and my card was
declined. I was told that they had sent me a letter (to the uk) telling
me this. Also while they had taken the £2000, they had not used it as
payment against my minimum owed that month and wanted another £350 there
and then. Date: 26/07/2008 I could just copy the last guys note. Same situation and I know
another friend same thing. I just cancelled my card after 30 years with
them Date: 26/07/2008 This site is amazing! Everyone is saying the same thing. Same situation as me. Amex has a major problem on their hands and it is now showing up in their earnings. The company is in free fall. Couldn't happen to a nicer bunch of guys Date: 20/08/2008 Amex sucks donkeys, I just won a law suit against them for cancelling
my card and taking my points. I had a total of 340,000 points and they
cancelled my card for no reason. my bill was always paid on time and was
over 40,000 a month through my business. They cancelled my card and took
my points sating that I broke the rules of amex. Though they could give
me no further explanation and would let me back as a member with my
financials for 4 years. Yeah right and I don't get my points. I sued
them in contract court in Ohio and won the total value of my points on
the market. Asswipes I have a MC platinum and love it cause I have never
heard I don't take that card. And now to hear they are not doing well, I
wonder why!!!!!!!!! Date: 20/08/2008 The employees were rather unhappy as all of their personal data was breached at the Towers Perrin incident (see http://online.wsj.com/article/SB116829611935870675.html?mod=home_whats_news_us ). All that was offered was a 2-year monitoring and "we're sorry". Whereas it is touted as SECURE - could not be further from the truth. There are many good workers but an elite few have caused a brutal mess in the IT arena since Salow left. Drinking lunches and pizza parties. Guess who ends up paying for all of that, folks? Date: 20/08/2008 Amex is aggressively alienating a customer heretofore thought of as a
"prime" cardholder. Apparently, Amex overextended themselves in
extending large credit limits and has been scaling back credit lines
with a blunt instrument - bashing cardholders, like me, with high
incomes, and no late payments on credit reports. Kenneth I. Chenault is
walking the tightrope between reducing overall exposure and damaging his
brand beyond repair. A number of publications, including the Wall
Street Journal have begun to report upon this damage. i for one am a
very unhappy customer and will be taking my business elsewhere. Date: 20/08/2008 Never had a problem with AMEX, they were very good to me, but I was
one day late with my payment, its the cheap clear blue plastic card,
embarrassing even to use it - and they jacked up my interest rate to
27%!!!! I explained that I was never late, only a couple of times and
only by one day, and that I always paid my minimum, and never went above
my limit so they lowered my limit so that I was over it, and jacked up
my interest. I told them that if they wanted me to pay my bill, why
make it MORE difficult? I don't understand the logic. I'm not one of
those rich people, this is a charge card and I was glad to get it, but
now I have been reduced to an indentured servant. I am furious and
disappointed with them. Date: 21/08/2008 I only use my AMEX card for Costco purchases because
they only accept AMEX for credit card purchases. I paid my bill through
online banking before the due date. I have never carried over any
balance nor have paid late. The payment was never posted to my
account. I contacted my online banking center and they have been
working with me trying to resolve the issue.
Date: 07/09/2008 Loyal cardmember for years, always pay on time, now they cut my credit by 60%. One one card, they lower it below the current charges, charge overlimit, and demand to pay overage otherwise overlimit fees persist. Loan sharks!!!Date: 07/09/2008 american express really sucks first they tell me that i dont have spending limit then they just bloked my card and they say that i only have 1300 at that time i already had 2200 balance due not serious company dont have deal with them Date: 07/09/2008 All i wanted to do was check th-e amount available on my gift card. Their stupid slow website had me going in circles and jumping through hoops. i entered my information accurately and they rejected it. Then they told me my session was expired--due to their slowness! Date: 07/09/2008 I absolutely agree with all of these comments - AMEX is the WORST card to have - will change your limits without notice - will stop transactions - will bounce credit checks - they only want $$$$$ - they care about nothing else - but if you know that goign in - you will be fine - good luck and beware! Date: 07/09/2008 Just to let all of you know that AMEX could loose EVERY SINGLE personal card holder and still make money. Its all about the corporate accounts bitches! Date: 07/09/2008 American Express is one of the worst companies on the planet. Their tactics are criminal and using an AMEX card compares to taking out a loan from a loan shark. They criminally tack on fee's and interest charges without notice and close accounts when the reward points are high so they don't have to honor them. How go they get away with this!!!! Date: 07/09/2008 Been a AMEX card holder for years. Never a problem, even when a day late on a payment (pay by phone). Best interest rate, and it has never been refused anywhere overseas or in the states. And I am running a 14K balance due to paying off daughter's education. Guess I should knock on wood. Maybe the only difference is that I carry the fraud insurance for the card. Date: 08/09/2008
American
Express is an abusive corporate financial thug. I know as I had an
American Express Card from 1971 until 1998. Their discount rate is
outrageous!! Date: 29/10/2008 I received an Amex card a year ago or so.. Credit limit
was 3k...... charged 750.00 on a recent vacation to Australia.... went
online to pay statement and my limit was lowered to 500.00. I
questioned, and was told Amex does this from time to time, and it was a
normal business practice... Paid balance and closed account.....
Needless to say they SUCK...... Date: 29/10/2008 I have to tell what happened to me. I am a American express business
card caring member until today. Date: 29/10/2008 amex gift cards are totally bologna. Date: 29/10/2008 Well I feel like a fool! Thank god I found this site. For years I was
a loyal gold card holder- never really had any problem except that they
once credit me $1000 for a payment that should have been $200. Date: 29/10/2008 American express commercial with the cartoon character ( the flash) image on a credit card, with Germans laughing at us. Is ANTI-AMERICAN. Another attempt at warping minds. Date: 29/10/2008 they suck. all they want is their g*****m money and they will get it in any way. BOA is complicit in this. NEVER applie for an Amex card. put they out of business. they are snobs and discriminatory!!! Date: 29/10/2008 They are cutting credit limit. to almost exactly where your balance is. very sleazy people no wonder why establishments shun away from them Date: 29/10/2008 I just cut up my gold amex cards after being a member since 1982. I had an arbitrary limit of $ 1900 imposed on my account the other day without being notifed. How did I find out. I went out to dinner by myself and was attempting to charge $ 20.00, yes 20 buck and it was declined. Over the years I have charge over 5 million dollars to my business account and this is how I'm treated. DONE. Date: 29/10/2008 member for 4 years. 2 platinum cards. never late. spend over 150k a year on both. my score dropped to 717 and they closed both my cards. didn't have the courtesy to tell me. when i called, i was kept on hold for 20 mins and the nimrod who finally came on the line must have been specially selected to deal with people like me. i give up. what a way to end. Date: 29/10/2008 AX reduced my credit limit by $15k and gave me nothing but BS as to why. They want back to a missed payment 7 years ago to say that I had serious delinquency! The BS in the leter is amazing! They said that "please know that we understand that this decision may cause you difficulties..." RIGHT!!! Like they really care. I've had an AX account for 12 years, don't have a subprime mortgage and have been employed by the same company for 4 years. AX SUCKS BIG TIME!! Date: 29/10/2008 I had like 5000 dollars in my account, and they froze it after one day after notice. I swear if I could I'd sue em. Date: 29/10/2008 I have two AMEX cards, always paid on time. They dishonoured my last payment, blocked my account and now they are requesting my financial information. I called and got on the phone with the most discourteous person I have ever talked to on a customer service department, Sergio Damián. I am cancelling both cards and I hope everybody who reads the comments on this site (or similar sites) will add their experience and cancel their AMEX cards. Date: 08/12/2008 I have been paying my balance in full before the 1st of the month for almost a year. I'm going to purposely delay my payment until the 14th of the following month to see what, if anything, Amex will do. I suspect they will call me to ask where my payment is. They are experiencing the highest default rate ever recorded in history this month. This should be interesting. Date: 08/12/2008 Stay away from AMEX. 2008 was horrible. High gas, hurricanes yet I was late only one time and I paid it out. I went to make a purchase to find my card had been cancelled. I will never deal with AMEX again. Thank God for Visa and MC Date: 08/12/2008 Amex offered me a rate of 1.99% to transfer my balances (which I did) After paying my bill ON TIME each month for about a year, they lowered the credit limit and increased my APR to 28.99%. This should be illegal!!! Date: 08/12/2008 As a business, American Express is a bunch of idiots. They just reduced my credit line but, get this, they run ads in the media to get more people to sign up. WTF. The business rule of thumb is this: It's cheaper to keep the customers you have than to try to get new business. DUH. They just don't get it. We already have plenty of financial institutions that offer credit cards. Let this one go under and go out of business. Date: 08/12/2008 They suck! I applied
online they gave me credit line of 10,000.00.got my card used it for a
month and then they closed my account with out notifying me. When i
called and asked they said they sometimes do an evaluation and i had
something delinquent on my credit report, which to this day i can not
find anything delinquent. anyhow it was a 0% intro apr for 1 year and
after they closed my account they changed that to really high apr, and
because they closed it and not me it even makes my credit look worse
(which was good until them). long story short they screwed my credit all
up i even made my one payment on time- paid complete balance and
everything! Date: 08/12/2008 Amex Sucks Hard. Been a member for years, one late payment after using stupid auto pay and the interest rate went up to 26% nothing they can do about it. Try and pay on time for 6 months and we will see. "KMA" Called numerous times all liars on the phone. Got a letter last week closing my account and demanding full payment with National Credit Incorpoated as the new owner of the account. Make them mad and they sell you out to collections. The money the lost on the account sale was far more than the disputed amount. What moron thinks this is a good business decision at AMEX no wonder they need a bailout. Date: 08/12/2008 "Don't leave home with
American Express Card". This should be their true logan for AMEX ads. I
just got one card for less than a week. And it was declined for no
reason. When I called, I was told bluntly that that's how their
"perfection" system works. It will be declined randomly. What kind of
credit card is that! What dumb asses work at AMEX ? And they insult the
word "Perfection" Date: 16/12/2008 I had a mere $1,000
credit line on the Hilton Honors card from Amex. However, when my
outstanding balance rose to $800, my card was cancelled overnight and
the rep I spoke to the next day told me that I had "maxed" my card and
they were afraid I was not able to pay off the balance as I had de-frauded
other cards. This was absolutely untrue. I have NEVER de-frauded
anyone in my life. Where they got their information from is beyond my
comprehension! The rep additionally told me that there was nothing he
could do about it. I wanted to say bad things to him, but I didn't.
The only conclusion I can come to is that some computer kicked out
erroneous information about me. I know what my credit score is and it
is well beyond deserving only $1000 and having my card cancelled
overnight when it was well below my credit limit. I am completely
disgusted and I told the rep that. No more American Express cards for
me! Date: 16/12/2008 Well, I guess I can say
it's sort of a relief to know that I wasn't the only one being treated
very poorly by American Express .. seems like there are a lot of unhappy
customers. Date: 20/12/2008 American Express is not
for dead beats. It is for those individuals who pay their bills on time.
If you cant afford the fees then dont get a Amex card. Idiots Date: 20/12/2008 I have had a Gold card
for 17 years and was just recently canceled for no apparent reason
except for the fact that I was attempting to redeem my 354,000 reward
points and that I haven't been using the card heavily the last few
months ($300 to $400 per month). Of course your points are void as soon
as you are cancelled so after earning points for 17 years with Amex I
never had the chance to use them. If you have ANY reward points at all
redeem them immediately before Amex cancels you. Date: 20/12/2008 AMEX
SUCKS! I WAS A "MEMBER" FOR OVER 22 YEARS.. I HAD A DEATH IN MY FAMILY
AND WAS UNABLE TO MAKE MY PAYMENT FOR 2 CYCLES. . I THEN PAID EVERYTHING
IN FULL OVER 15,000. THEY CANCELLED MY CARD . . TOOK ALL MY REWARD
POINTS 40,000 AND KILLED MY CREDIT RATING. THEY WERE NOT WILLING TO
WORK WITH ME. QUITE RUDE CONSIDERING THE MONEY THEY MADE OFF OF ME. I
TOLD THEM I WOULD NEVER EVER CARRY THEIR CARD AGAIN AND WOULD SPREAD MY
MESSAGE OF "LEAVE HOME WITHOUT IT" TO EVERYONE I KNOW. Date: 26/12/2008 We used an American
Express card for purchases. We didn't need the money, we enjoyed the 1%
cash back. Because of the low credit limit, we paid the card in full 5
times per month, charging as much as $70,000 per month. Date: 26/12/2008 I'll keep this simple. I
had and AMEX with a $16,000.00 credit limit. Had the card since 1996 No
late payments in the last three years and prior to that never for longer
than 30 days. I paid my balances in full at the end of every month even
though I could have carried the balance. I received a letter stating
they had reduced my credit limit to $500 I thought it was a simple
mistake since I consider myself an awesome client with a 740+ credit
score. I called AMEX and spoke with a rep that could not explain the
sudden decrease and after several transfers and finally speaking to a
supervisor it boils down to some secret formula that they have to
determine who is good for credit and who isn't and my score, zero
balance, and excellent credit history are not part of that equation. I
can't cancel the card since I want to keep my credit score. But I'll be
damned if I EVER use that card again. I think AMEX has gotten too big
for their own good. All I can recommend to those of us abused by AMEX is
do not be seduced when they come grovelling back for our business, hold
the line, make them understand that what a knuckle head mistake they
made. Date: 26/12/2008 I was a member for 28
years and they cancelled me this month. They stated some late charges or
some crap reported by Expierian credit bureau that were not related to
AMX. Never heard of them. ( Experian is most likely the credit agency you mean ) Date: 26/12/2008 If any readers out there
just happen to still own AMEX stock i'd advise you to sell - and sell
quick. These guys are brain dead when it comes to business sense. 17/03/09 I recently sent the following message to Dan Heny at fax number
212-640-0123. Send him your faxes directly so he and his staff have to
deal with them and hopefully get bombarded with complaints. Better yet,
vote by getting rid of AMEX altogether. That's what I am doing. 04/04/09 They suck!! Period. They have the worst customer service of all the major credit card companies. I just talked to them right now, and got the worst service. I am filing a complaint with Costco, since it is through them. 04/04/09 I have had an American Express platinum for years.
Countyrwide make a mistake and checked my credit 4 times in a month for
a business loan. Countywide is in the process of crearing that up.
However Am experess cancled my card. I have never been late, always
paid my balance on time. I had a 25K limit. I run a large ski resort.
We are going to stop taking Am Express. That will cost them a bunch.
04/04/09 I have had my american express card for at least 10 years. I have never bee late with a payment and this is the only card I use for purchases. American Express lowered my credit limit on month almost to my balance and the next month invreased my fixed intrest rate by 50%. when I call an asked why, I was told that this was an across the board hike because of the economic situation. I think it is outrageous that American Express can change the terms of the agreement without any cause or explination beyond economic situation. I have an ecomonic situation myself and must still make payments. The have lost a customer. 04/04/09 I have been with Amex for 20 years. (I guess I'm a little slow) I called this morning to make sure my Platinum card was activated before I go out a make a business purchase. Amex confirmed the account is active but they reduced my limit from $20,000.00 to $2,700.00 just recently. Whatever. I was only going to make a $1900.00 purchase but when my card wouldn't go through, I called only to find out they reduced my credit limit to $1000.00 right before I got to the store! March 9th 2009 is the beginning of my new life without that awful company. My words were not as pleasant earlier. 04/04/09 American express cards-accepted by my office shredder.
I had a card for 7 years-never late, paid on time, etc. I filled up my
car with gas-no problems with the car. I drove to Savannah to take my
in-laws to a fancy place to eat. In the two hours it took us to reach
Savannah Amex had put a freeze on my card. There are other ways to pay
for things besides American Express, of course, so I paid and figured it
was some error. After about 2 days of calling ("I'm sorry sir, our
computers are down and we can't tell you why your card was frozen...") I
finally got through to "Mujabar." All Americans know Mujabar-he's in
Bombay and speaks pidgen English. Mujabar explained to me that "you
card froze 'cause you have bad debt somewhere, but we can unfreeze to
pay it and dat unfreeze card." Mujabar couldn't tell me who claimed a
debt was owed or in what amount. I didn't know that Amex thought it was
authorized to be a debt collector for other's debts, real or imagined.
Incidentally, Amex STILL can't tell me who they think has claimed I owe
them money. 04/04/09 Only one word "sucks". Why? They cancel my account without any notification. And I keep paying my bill on time. Because I have few loans on hand,they think I am potential to become a bad payer.nevermind, Amex keep looking down of those people who struggling for life, they will pay back one day. Guys, let work together and say NO to Amex for the rest of your life. 04/04/09 Evil Card - I have 30 years of absolutly clean credit records. A couple months ago my $20,000 limit was cut back to $12,000 (exactly what I owed). I then paid them $5,000, guess what They immediately cut my credit limit to $7,000. What kind of evil company does this to someone whom has never been late on any payment in 30 plus years and I earn over $100,000. Payed $5,000 and now I have $160 available credit??? I should mention that the card was issued by Costco so therefore I recieved the nontraditional revolving credit. Costco you are great but your partnership with american express now reduces my confidence in your company. American Express is an evil company 04/04/09 AMEX tried to collect 9500.00 from me for unauthorized 04/04/09 I received a credit card with AMEX a few years ago with
a credit limit of $5,500. Within six months my credit line was increased
to $16,000. In October of 2007, I purchased merchandise in the amount of
$10,000 and paid $4,700 the on 11/3. On the same day the company looked
up my credit report and reduced my credit line to $5,000. This left an
balance of $300 above the new credit line. I was notified via mail a
week after the change and contacted AMEX immediately. I was told that if
I paid the $300, AMEX would not notify the credit scoring companies of
my overdraft. 04/04/09 I recently sent the following mail to the CFO of AMEX.
The response that I got was a satisfaction survey with the question: How
likely are you to use AMEX in the future? This is a silly company who
does not have a clue. 04/04/09 You can send your complaint directly to the CFO of AMEX
as follows: 04/04/09 i used to have an american express blue card... accumulated over 5k in debt. they have cancelled it due to my high debt and my low score. they did me a favor. they are agressive in their credit practices. i needed to have my card shut down as i was overspending. i do have a couple of visa cards which are still not shut down with a total line of credit of 20k but has racked up 18k... most of these debts are accumulated through designer clothes and vacation trips. i wish visa would've shut me down when i reached 5k... then i would only be 10k in debt. i will never use american express again as they should've just suspended my account instead of cancelling it. but i'm on my way to pay down my debt thanks to them. i'm also going to cancel my visa cards and not use credit anymore. i have a debit card from my credit union and whatever i need to buy... i will have to use that... if it doesn't have any more funds... i'm going to sit my broke ass home. oh yeah.... no interest charged on that debit card as well. 04/04/09 I have been an AMEX customer since 1989 and been a
Centurion member since 2000. 04/04/09 Why are companies like American Express allowed to damage peoples credit because they were unable to manage their business properly. 1st they lowered my credit to amount owed making my credit score go down. Then I paid them in full and they cancelled my card cheating me out of $500.00 in travel bonus I was saving for my 50th birthday. I can understand they are having tough time, some busnesses are but how can they be allowed to damage people unchecked. 04/04/09 they suck! I am having a unlimited AMEX charge card which I have always paid on time, they told me my card have a pre-set limit of 4500 pounds and today they locked my card said I have spent a few hundred pound more than the last month so I have to make a payment before the due date or they will just lock my card althrough my card is a unlimited card, my balance is only up to 2000 pound now and the due date is not till 10 days later,they told me: we are very sorry but this is the way it is. Obviously, they change the rule by themself everyday!!! 04/04/09 I was an American Express card holder for 25 years. The
treatment I have gotten over the last few months has been horrible. I
will NEVER do business with these people or anyone that partners with
them again. I'm stuck right now paying off a balance but I have
cancelled my cards. Their CSR's sound like heartless robots programmed
to repeat the same thing over and over again. 04/04/09 deceptive assholes. They send pre-approved crap and then when you call to get the card they check your credit and deny you. They suck..... 04/04/09 17/04/09 30/04/09 30/04/09 30/04/09 I have an American Express skymiles credit card that I maintain for travel only. I have had the card for years, but seldom use it. I take a trip, then pay off the balance. Recently, I took a trip to Europe. I called American Express about one week in advance to let them know I would be making purchases and ATM withdrawals from that location. Once in Europe, my card stopped working, and I discovered that American Express had sent me an e-mail essentially capping my account balance at the amount already used -- about $200.00 in ATM withdrawals. I was forced to use another credit card. If I had not taken a backup card with me, I would have been unable to pay my hotel bills, or obtain cash. I can understand their need to tighten controls, but to make an arbitrary change in the middle of a trip is outragous. It is the second time this has happened. I was once stranded in a foreign country 30 years ago because they had never heard of American Express. It will never happen again, because I'm getting rid of this Albatross. 29/05/09 29/05/09 29/05/09 Our company has been a member of
AMEX for 12 years and I have been a member for 24 years. 29/05/09 29/05/09 29/05/09 29/05/09 29/05/09 Today I tried to validate who I was with AMEX. I
applied for a credit card for Sky Miles with Delta. They had my old
phone # attached to a fraud alert that I had set up on my account. I
can find no way to remove it I have spent the last 2 hours on line and
on the phone holding for AMEx, only to be so surprised when someone
finally picked up the phone 20 mins later I hung up on them! (I know
I'm a dope). 29/05/09
29/05/09 Thanks for the info 30/06/09 American express is one of the
first to step up and arbitrarily close accounts before legislation deems
it illegal -- their customer representatives lie about closing an
account with a balance not "affecting customers adversely" but then half
of them don't speak English so I am not surprised they don't know what
they are saying---if there is litigation and class action suits --count
me in ! 30/06/09 My comments about American
Express? It sucks. I filled up my car with gas in the morning-no
problem with the card. A few hours later I took my family for a meal in
a restaurant. Between the time of the filling of my gas tank and
getting the meal Amex had stopped payment on my card. 30/06/09 I can't find anyone that is having a problem wit the way they charge interest. for my other credit cards if I have a 5.99% fixed till paid they take my payment and apply the amount less the current month's finance charge. That makes sense. On my American Express I have a 4.99% until paid. I did take some cash advances maybe $700.00. I didn't make any other purchases. I have called them and sent them a letter but they say it is the way it should be done. I have three rates $7,171.05 at 4.99% $957.96 (Cash Advances) at 21.23% and $3,490.98 at 12.22%. The caculated finance charge was $81.25. They deducted $167.72 from the $7,171.05 which put it down to $7,003.33. That left a remainder of approx. $53.99 which was the finance charge for the 12.22% and the 21.23%. What this did was increase those two amounts by $53.99 up to $ 3,526.82 and $975.11. So instead of applying the difference between the amount I paid and the finance charge they applied part of the money and added the other part to purchase and cash advances. did anyone ever hear of anything like this? None of my other credit cards work that way. 30/06/09 Have tried for months to cancel my mothers AMEX card. She died. Still getting mail from them and bills with 0 balance and now an autopay offer. I cancelled my card several months ago. 30/06/09 I am trying to be objective
about AMEX, but here are my pros/cons. 30/06/09 Definitely would strongly suggest not using AMEX revolving credit products!!!Citi has been good and has always been very helpful in giving me low APR(currently 3.25)on my revolving credit. Only credit card I have with revolving credit because all other cards have jacked up my rate with no warning, so I was forced to pay them off. 30/06/09 I would like to express my
deepest consternation regarding the American Express services in Brazil.
I’ve been a customer for over five years now, with a perfect payment
history, and I deeply regret my decision of becoming an American Express
Platinum associate. Let me explain the situation. 30/06/09 I had no problems with my Amex Blue card for the first 3 years. My initial limit was $4500, and eventually AMEX raised the limit to $10,500. As a result, I balance transferred $4,500 on it to take advantage of a low rate. Well, a few months later, Amex slashed my credit limit to $5,000, and as a result my FICO score dipped significantly. I always paid the card on time, and always paid more than the minimum amount. The balance transfer rate also turned out to be deliberately misleading. I look forward to canceling my AMEX account as soon as I close on my house. AMEX is the only company I have a card with that slashed a limit like that. 30/06/09 I used my Amex card and paid my
bills regularly from 2005 to 2009. In June 2009, I wanted to redeem my
points for airline travel to visit my son studying in Moscow, Russia
before he came back home. I had $204 redeemable points on Amex from
$20,000 worth of purchases thru the years. I found out that I could
only redeem points toward travel with Delta or Continental, not AA or
United. 2 of 4 major airlines. Among the smaller airlines, same
principle - about half or fewer. 30/06/09 I am a small business owner
trying to deal w/ AMEX. I have had a personal card, as well as business
cards with them since 1991, all in good standing. 30/06/09 In 1999 AMEX solicited our
company to open a Business account which we did. Since that time we
have used the AMEX Gold Business card only for business expenses and
have paid the balance in full each month. Our payment record is
impeccable. Last year, 2008 we averaged $1700 a month in charges.
Since we do not use the card every month, that means that some months
our charges were 6 times that due to travel expenses. 30/06/09 We need your help exposing AMEX
for their terrible customer service and
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