Review Time
****CLOSED ACCOUNT***** DUE TO HIDDEN YEARLY FEES. I honestly never knew because of course we normally carry a balance. I only figured it out due to paying it off and did not charge any longer. I received a bill and knew I had not purchased anything in this card, only to finally find out about the hidden fee. So when I called to find out who charged on my account they tell me this. Well of course I’m not going to pay it or keep the card open so I close to avoid the charge but they still charge me even after closing the account and will not remove the charge now, even though it’s closed. Now how about that for customer appreciation and service. I’ve had to sit on the phone several times for longer than I should to handle and deal with the issue and the charge is still there. This is how they repay you choosing them to do business with the last 7 years. Never again American Express!
I have tried to apply for an amex credit card and was automatically declined by the system. Before applying I took the eligibility test and I passed with no problem, I have no bad credit history, and I have had other past experiences applying for other brand's credit cards with no problem. I called call centre to ask for the reason of the rejection and they couldn't provide the details. From my whole experience it gives me the impression that they don't care about their customers, and maybe it's a good thing that I'm not going to become one. Due to poor customer support I would NOT come back to this brand and would NOT recommend the brand to anyone.
AMEX probably won’t respond to my review, but my purpose is to let people who are with AMEX cards or consider applying for one of them. Background info: I have been a member since 1979 yes, 45 YEARS! In that time I have held a Basic card, a Gold Card, and more recently a Blue Cash Magnet card. My current card started with a credit line of $15,000. I had that credit line for 2-3 years until July 1 2023 when they abruptly dropped my C/L to $2,100 (from $15k). They sent me a letter 10 days later after the change. The letter contained the same old reasons that basically stated “your credit score dropped about 30 points so we don’t TRUST you anymore. I will add context at this point in all the years I have been with AMEX I have NEVER missed a payment, never been late with a payment, never got even close to my Credit Limit. How many people can say that for 45 years? My balance at that time was about $1800 so they set my limit so I had no real room to charge anything. After 2 calls with credit reps I could see there was no reasoning with them. They were using my score and ONLY my score to hurt me. By that I mean once that C/L DECREASE hit the 2 credit bureaus that I have monitoring with my score took another big hit. My decision was to pay them off so I did not have to pay them more interest. I went to my Credit Union and withdrew the amount of the balance and paid them off 2 weeks later. The card sat dormant for the next several months. In November I had major surgery and could not work for 8 weeks. My bills were all paid but I did have to use some of my other cards for medical bills to get by. Then on April 2, 2024 I was advised by AMEX that due to the same reasons they used 9 months before they were once again cutting my credit line. This time from $2100 down to $1000. Then their letter went even further and stated that they “might not” approve any charges if they chose not to??? I still had a ZERO balance so what were they scared of?? I do not expect AMEX to reply to my complaint because they don’t care. 45 year record of being an excellent customer means nothing to them if your credit score drops 30-40 points due to legitimate reasons. My point of all this is to be sure that people know what can happen to them if they let their score slip. AMEX DOES NOT CARE if you pay on time for ANY amount of time if you don’t meet their guidelines for any kind of risk. I convinced my adult son and daughter to drop AMEX and some of my friends and business associates also stated they would no longer trust them! The funny part (NOT really funny) is that for over a year AMEX kept sending me pre approved offers to get their Platinum Card. At a annual fee of over $600!!! Beware of AMEX and how they may treat you!!!For Reference my card ended in 61001
If this is the idea of a premium service...Their online services regularly don't work, links lead nowhere, partnership programs don't work, no feedback. No chat support...Amex user experience has become annoying and frustrating and not worth my time.
Having been a Platinum Cardholder for 28 service, I have sadly witnessed the decline in the Travel & Lifestyle Service to the point that I really question its value. Could anyone help and advise me what you have to do to get them to respond to calls and honour promised callbacks. Sadly, it is no longer possible to email Amex either.
I’ve been an American Express cardholder for over three years now, and I must say, the experience has been nothing short of excellent. If you’re considering getting an American Express card, let me tell you why it’s been such a game-changer for me. From the card benefits to the customer service, everything has been top-notch, and I think anyone looking for a premium credit card experience will appreciate what they offer.First, let’s talk about the application process. It was incredibly straightforward and quick. Within minutes of applying online, I received a response, and the card arrived within a week. They even offer the option to start using a virtual card number immediately, so I didn’t have to wait to begin enjoying the benefits. It was clear from the start that American Express values convenience and efficiency, and that was just the beginning.The rewards program is truly one of the best in the industry. I have the Amex Platinum Card, and the points I earn through everyday purchases and travel add up fast. Whether it's dining, groceries, or travel, I earn points on almost everything. I’ve been able to use my points for flights, hotel stays, and even gift cards, which is a huge perk. They also offer periodic promotions and bonus points, making it even easier to accumulate rewards. Plus, the Membership Rewards program is flexible, allowing you to transfer points to a variety of airline and hotel partners. This has been a lifesaver for me when booking last-minute trips or upgrading flights.
I was scammed by a travel company called Travel Junction, also known as Travel Performance, that pretended to be Virgin Airways and I lost £850. After experiencing the problem I checked Trustpilot and found that lots of other people had also been scammed. I have provided full details to American Express, including confirmation from Virgin Atlantic that no tickets were ever reserved in my name, but after 7 months of raising disputes I still haven't had any money back. I can see from Trustpilot reviewers that some banks have helped their customers. So if you want support from your credit card provider DONT USE AMERICAN EXPRESSTravel Junction asked me for more information some months ago and I provided the booking reference and contact details as requested but they have not contacted me. They have now asked for this information again and I have again provided it. I have also started a complaint with the ombudsman.
AMEX has the best phone app and when accepted it works great. The problem is Amex.it - or rather the fact that 80% of the times I pull out my gold card in Italy it is not accepted.“Troppe commissioni” I am told. This can work to your advantage, like when I bought jewelry to my wife. I only have 1300 eur in my pocket - so i have to pay with amex. The price was 1500 but the shop was much more interested in 1300 cash. Likely a combination of fees and creative book-keeping at his end.I have heard rumors that Amex are lowering their fees in Italy but it will take time to get much momentum.Large chains do however accept it - so if you are happy eating at McDonalds …
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