American Express Gold Cards

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American Express Credit Cards Suck!
Posted by on
A while back I got a few days behind on my AMEX Gold Card, which I had had for 20+ years. One of their rude representatives, from some unknown foreign land said my account was being closed for NON PAYMENT! I was NOT given the opportunity to go online and pay immediately.

I thought Oh Well! AMEX has lost my business, no big deal. Much to my surprise they went a step further and canceled my Platinum Card as well, which was NOT in arrears!

THEN they sold the 'collection' to several collection agencies, and of course my great credit score plummeted.

BUT I will get the last laugh! Every other person in our company stopped using their AMEX accounts for anything! and as the renewal comes up, the accounts or being closed! I am the Managing Parter, so guess who signs off on credit card payments!!!!

PLUS our business happens to be in an industry that sells American Express products! NOT ONE has been sold since the scenario started.

PLUS our business has stopped accepting AMEX cards for payment, unless the client has no other alternative. Our acceptance has dropped 95%

AMEX may have 'won the battle' but we have 'won the war'.

My credit score will rebuild, not too worried about that.

We just focus on Visa and Mastercards now.

Really do not want to hear from them, but feel better writing this note!

I learned that American Express does not value their long term card holders. I have heard this same story at Rotary and Chamber meetings from lots of other business owners!

American Express has now offered us to pay as low as 25% of the original amounts. BUT the damage has been done at the credit bureaus and they cannot reverse that!

The slime also took away many years of 'points' we had built up on both cards! American Express sucks!
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jktshff1 on 06/29/2010:
Interesting post. You got to admit. VH
JESS90069 on 06/29/2010:
Based on all of the other similar complaints I read after posting mine, I feel totally justified about saying "American Express sucks" in my opinion. For those who have not yet encountered the wrath of American Express and their illiterate foreign [India and the Philippines] telephone agents, who are RUDE RUDE RUDE, "Caveat venditor". AMEX and frankly any other American company should employ people in the USA! One airline with whom we do business closed their India operations after so many complains from clients. I/We can live without an American Express card! For sure!
Slimjim on 06/29/2010:
You stopped paying them because they closed your accounts for being late. While I can understand frustration and disappointment if your weren't that late at the time, bring up what they did to your credit and sending you to collection agencies like that wasn't something they shouldn't have done either, doesn't make much sense coming from a businessman.
Slimjim on 06/29/2010:
Wow, could I have made any more grammatical mistakes with that last post? Need coffee..
PepperElf on 06/29/2010:
I still do not see legal justification for refusing to pay bills.

regardless of your feelings on the matter, laws are still the same.
if you borrowed the money from them you owe it back.

and for a business-person I find it interesting that you are advocating not paying bills if you're mad at the company.
because then it means that none of the people who owe you money have to pay either if they say they're mad at you.

SAX on 10/02/2012:
Used to work for them.....will never refer anyone/client to them. The absolute worse. Their attitude is "do as we tell you or go somewhere else" Actually got to express my dissatisfaction with how the company is going with a family member and the way she was treating the employee at the store. Didn't care. Major attitude issues with Amex anymore.
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Ruining My Life
Posted by on
I opened my American express card account in 1993. I loved this card. It was useful in emergency or when I was low on cash. I had a large sign and travel balance, which I paid along with my regular charges on time until May 2009. I was victim of identity theft. The negative accounts on my credit reports caused my credit card limits to be reduced on most of credit cards as well as my minimum payments doubled on these cards. I informed the credit companies and they refused to reduce my APR or monthly payments. It took nine months to get all the negative fraudulent information off of my credit report. BUT, none of the credit companies would reverse the APRs or minimum payments. So, I was using the AMEX card to meet my expenses. I realized that now my AMEX card monthly payment was too high for me to pay. I contacted AMEX and advised I was starting to have problems meeting my payment. They advised me to look into their debt management program. In the meantime, I enrolled into the Consumer Credit debt management program (June 2009) this was the only way I could reduce the payments and APRs on my credit accounts. The downside was that I had to close all my accounts. I called AMEX and asked if they participated in this program and was told yes, but I had to make 3 payments to them before they would accept me on this program. I was accepted in July 2009 or August 2009. I continued to get bills that said I was past due on my payments; even though my payment history showed that I was paying every month on time. I would call the "customer service number and be told to ignore my statements, because my account was in good standing. AND, the statements would be corrected eventually. BUT, AMEX started to report my account as past due. This lowered my credit score AND put the 1st negative strike on my credit history which I began over 20 years ago. After 3 days of calling every number I was told to call, I find out that I should have been told in May 2009, that I needed to pay all the outstanding payment "DUE" and if I did not pay it, I would be sent to collections. AND, I found out that the AMEX "debt management Division" doesn't have access to the AMEX "customer service" division information AND although my debt management account is current, I still must pay them $1000 and pay off amount due AND the AMEX Credit reporting division is an entity on to themselves and I must resolve all issues with them (RUDE PEOPLE?NO HELP AT ALL) In December, 2009, they did stop charging me late fees, and they did change my credit report to "collection" instead of "In collection. BUT, today I get a credit alert that AMEX has now stated that my account has been sent for collections and I paid the $983.00 earlier this month.
NOW, I am going to have to spend days calling and writing to AMEX again AND I need to move, but this is going to have my rental applications rejecting. WORST COMPANY EVER!!!!!!!!!!
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let me see? on 01/31/2010:
HUH? When you say you were the victim of identity theft, did they run up you AMEX card and other credit cards? If that is true you would not be responsible for any of those charges. And how did your monthly bill get so high you couldn't pay it? It sounds like you were using AMEX to meet your expenses, but were not paying the bill. All credit card companies are very aware of identity theft and know how to deal with it. It sounds like you couldn't pay the bill and can't believer AMEX is actually wanting the money you owe them.
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Hey Amex!! We won't be your pawns!
Posted by on
The rash of recent actions by Amex is pretty predictable if you consider recent legislation imposed on the credit card companies. The banks and banking lobbyists are really unhappy about this recent legislation, and are likely taking the steps of reducing credit on good customers (and good customers FIRST, because they'll be the most vocal) with the intent of spinning the blame back onto the legislation, in hopes of getting it repealed or significantly reformed...ASAP. They are completely willing to leave good customers like us to twist in the wind, as they feel this will only help them better make their case. If successful in getting this new legislation changed to better suit them, you can be sure they'll try to woo us back right away. They are counting on us having very short memories, and will once again pander to our egos once they feel the time is right. Suddenly, the computer gods and their same contrived algorithms will deem us worthy once again.

Class action suits would likely be fruitless, as firms like Amex have armies of staff attorneys that strategize the extent to which thay can push the limits and still be able to defend their actions in court. And besides, only the attorneys win in class action cases. They get millions, we each get 87 cents!

Where I think they (Amex) has really screwed up is in underestimating the new power of social networks and blogs...many more people than ever before will realize they are not alone and they're not being singled out for anything that they did wrong, but rather that they are being used (and abused) for the sole reason that Amex doesn't like the "handcuffs" placed on them by this legislation. They always want absolute control, and will do anything to keep it, or in this case, to try to get it back. These egomaniacs want it both ways; to have the government hand them cash when times get tough, but then they get pissy when when that same government in any way limits their ability to do whatever they want, whenever they want, to whomever they want. They're all about free market capitalism, but only when it suits their need. And their need is to dress up their quarterly earnings, so as to justify handing themselves obscene bonuses. The problem they face now is that so much of that "bonus fuel" was generated by the punitive fees and usury default rates that the legislation will now limit.

I've read most of the reviews on this site, and the theme is very consistent: customers with great credit and perfect payment histories getting whacked right and left. Can't think of a good reason why this is happening? It's because there isn't a good reason. There is only the underhanded, immoral reason that they aren't happy about having something taken away from them, and they're just abusing us in an attempt to somehow blame the legislation and make it look bad.

The way to hurt them back is to spread the word (like we are here), and not forget, when times are good again, what they were willing to do to us today to try to get their way. NEVER FORGET! Don't forget the ruined vacations, the missed weddings and funerals, the evaporation of the liquidity desperately needed to sustain a small business.

Consider buying a share of AMEX stock. The symbol is AXP, and today a share costs about $38. Even one share gets you all the info you need to make a run at changing things. Communicate to the board, as a concerned shareholder, that the current path of the firm is misguided. Don't let them get away with describing their current actions as "prudent". Alienate a core segment of your best customers? That's not prudent, that's nonsensical, especially in this economic environment, unless there's an underlying reason that they're not being forthcoming about. Ask those board members if their parents would be proud of what they're doing to the honest, reliable, creditworthy customers they lured into depending on the credit they promised to provide. And for what? A bigger bonus? Job security? Bragging rights at the good ol' boys club?

The board of directors and top management are charged with setting policy. Current policy is abusive towards customers, and reflective of a nihilistic corporate culture that simply should not tolerated.

They only have control if we give it to them. Vote with your dollars and do business elsewhere. Let's use our power as consumers to hurt their bottom line and force the ouster of the board and top management that allows this abuse to happen. Membership has lost it's privilege, and the current corporate governance should lose their privileges as well. Perhaps a new board will have a more enlighted view of who takes care of them. It's not the comp committee, it's the customers!

The "strategists" behind all this truly are dirtbags. I suggest we work together in a concerted way to take out the trash!

Good luck to all!
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MSCANTBEWRONG on 08/27/2009:
Nice post.
Anonymous on 08/27/2009:
Right on! Helpful!
stfukthx on 08/28/2009:
I like that you advocate not using their services instead of just complaining about them. I wish there were more people like you.
amexcustomer26 on 09/01/2009:
Like your thinking!
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Unbelievably bad treatment...
Posted by on
My complaint is about the American Express company and not the people within American Express who have tried to help me. The company has obviously made some major policy changes that are forcing the hands of the support people. Although I did find some compassion from their EMAIL support person who brought some sanity to the discussion.

I have been a member since 1981 and have always valued the American Express card for personal and business use. I always felt secure that I would never be embarrasssed presenting the card... but now.. something has changed. I had made an overnight payment several days before the statement closing date to ensure it was received on time. The payment was for greater than the minimum. One day after closing, I received a call that they had not received the payment and that they were suspending the account (they even commented that there had not been a late payment in years but had to suspend it.) I explained that I have an EXPRESS MAIL receipt, signed by one of their employees for the payment made that was 3 days prior to the close date. They did not want the receipt and basically made it my problem to prove via a cleared check that they had received the payment. They even suggested I just do another payment electronically to clear the problem. (and if the other check cleared then I would just be more ahead!)

This transaction forced me to write a complaint via EMAIL to AMEX. Here I received some sanity... this lady opened an inquiry to find out where my $4000.00 payment got lost and relieved the suspension. Finally, someone interested in customer service!

Two weeks have passed and still no resolution, no cleared check, and no posting to the account. BUT.. what do I receive in the mail: a notice reducing my other AMEX Optima account having its credit line reduced from $8000 to $1000! There was no balance on the Optima account, it is very rarely used, and is usually paid in full.

This was the final straw for me ... I have closed the OPTIMA account and will eliminate all balances on the AMEX shortly and probably close it upon next renewal. I hate to lose the comfort I remembered having as an AMEX Card holder but, maybe the company that nurtured that kind of relationship and trust is now extinct!
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Eloise on 07/22/2009:
You might want to think about online bill pay. It's perfect for this type of situation. I'm glad to hear that you are blaming the company and not the customer service representatives. Very Classy!
Soaring Consumer on 07/22/2009:
It would be a good idea to contact your bank to see if the check cleared and the money was transferred to AMEX. Then you would have the ultimate undeniable proof.
Anonymous on 07/22/2009:
They're f****cking everyone, even after they filed to be listed as a bank to get taxpayer bailout money. Welcome to the world of capitalism where the rich made the rules to screw everyone else.
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Don't get an American Express Card
Posted by on
This company treats its customers with disrespect and as if they are sub human.

I was a long term customer. I never missed a payment. Due to my wedding I was using my American Express to make most of the payments. Just before the wedding I paid off several large amounts one up to $3000 just a few days before the wedding. We wanted to use that card for our honeymoon. Without notification they lowered my credit available to below my balance. I could no longer use the card. We struggled to come up with the cash to have our honeymoon. Thanks to some good friends and family we did. When I spoke to American express they said we were in good standing but they felt my credit was too high. It is not the company policy to inform its customers until after the available credit has been lowered. After speaking with a representative I cancelled my credit card with American Express and was told I could still see my account on line and get statements. I was also told I would stop getting statements once I no longer owed money. I made regular payments every two weeks for 2 months ranging from $250 - $1000 all well above my min balance. These jerks then called me today. Stating I missed my payment in June. The due date for my account was 5 June. I made payment on May 25 $250 and 10 June $500 and 15 June $1000. Since the 10 June and 15 June were after my due date. This should have been put onto my July statement. However, I got a call today stating I missed my July payment and that it was due today. It turns out American express has a period of 10 days after the due date where any payments made during this time would be on the previous bill. So I am now late due to some crazy policy this company has. Because my account was closed they denied me access to the online account and because I had an online account I no longer get paper bills. So I no longer get any access to how much money I owe. This company makes no sense. I have seen mentally handicapped children handle a lemonade stand business better. I will not use any of their products again. In fact I avoid places that only accept American express as a result. They treated me like a criminal and lowered my credit score because of some nuts company policy. I hate them and everything they have done to us as a result. I did have perfect credit until these jerk faces came up with insane ideas on how to keep customers. I would use harsher language but don't want to offend anyone. But take it from me. If a company every deserved economic hardship it is these Jerk Faces (man I want to say something worse there.)

These Jerks just about ruined my wedding, my honeymoon and now are just calling me nonstop about a payment I haven't really missed except in some fantasy world they have created they call customer service.

If you have a card with American Express, get rid of it fast.

If you are thinking about a card don't

If you think after this you are going to keep your card. Just shoot yourself now and save Darwin the trouble.
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NofriendofAX on 07/11/2009:
You're not the first nor the last person American Express will do this to unfortunately. Trust me continue to make your monthly payments and when they review your credit again, they will lower it again and again and again. They do this without warning! See no one is safe "leaving home with that stupid card".
MrsCatLady on 07/21/2009:
Thanks so much about the warning about not paying a payment on your card within 10 days after the due date or it will be posted on the previous month's bill...I am sure they get many people this way. I just cancelled my card after they jacked me and will be paying them off for many years to come I am sure.
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Someone help me!! Help me fight American Express
Posted by on
I need some advice. I was approved for an American Express Gold Card, whicb made me preety happy. Today I'm furious!
When I first got the card I called customer service to learn about benefits. I was told " you have to pay full bill each month." then I inquired about Travel and the guy said "oh yes you actually have a plan called Sign and Travel which allows you to book travel and pay it in payments. Last week I called to get my payment amounts and I was told " oh yeah Mr. Ruiz you definitely have the plan, but the bill hasn't posted call after Feb. 8th.

I called Feb 8th and they screwed me! " I'm sorry sir you don't qualify for this plan, you have to pay 650 dollars by Feb 21" I screamed! I was so upset. I told her check the notes! I asked one of the reps to put notes reflecting that I called and that I was told I had the plan.
They said " I'm sorry you were told misinformation and while I believe yiu were misled, YOU MUST PAY FULL BAlANCE. I made a few calls and sent some emails and they won't budge. These sharks!! What can I do!?

Tony Ruiz
S4delta@Yahoo. com
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tnchuck100 on 02/12/2011:
What can you do?

1. Spend more time researching these companies on websites such as this one.

2. Read their customer agreement BEFORE signing up.

3. NEVER rely on anything you are told on the phone by a customer service representative. They will invariably deny everything.

EDUCATION is what you get when you read the fine print.
EXPERIENCE is what you get when you don't.
Anonymous on 02/12/2011:
Use another credit card to pay this AE card off in full. (Take a cash withdrawal, if you need to.)

Remember: If you don't have it in actual writing, it ain't true.
jesusucsb on 02/12/2011:
Thanks, but they even admitted "we see the notes, we believe you were given misinformation. But sorry. You still need to pay full amount or we cancel card and take you to collections."
DebtorBasher on 02/12/2011:
With all due respect Toto, I would never advise someone to take cas withdrawals from a credit card. The fees on cash withdrawls are sometimes triple that of a purchase and it is always the last thing a payment will go towards. All payments will go towards whatever purchases are on the card BEFORE it even touches on the cash advantances which will just keep adding up the fees at the high rates. I learned my lesson fast with it came to cash withdrawls on credit cards.
Anonymous on 02/12/2011:
Hey, the OP was asking for help on paying a credit card balance in full. Can you think of another, logical place a person can get $650 to pay a debt like that? Every sane person knows not to take a cash withdrawal from a CC, but sometimes you got to do what you got to do....
Anonymous on 02/12/2011:
I would pay it off, and cut up the card. Screw em.
CrystalSword on 02/12/2011:
And my family wonders why I don't have major credit cards!!
tnchuck100 on 02/12/2011:
The trick is knowing how they work and making them work for you. NOT you working for them.

Use it to pay for things you may need a recourse on. Pay the bill in full every month. They CAN work for you.
jesusucsb on 02/12/2011:
Please tell me. Can I sew? I know about the rules and regulations. But they have admitted thAt I was misled.. You would think. They would say "OK we will let you make payments."
tnchuck100 on 02/12/2011:
No, there is no basis for a suit here. Even though they admitted verbally they misled you they will deny it in front of a judge. As Toto indicated, if it ain't in writing it don't exist.

Besides, they will stand behind the corporate "contract". No employee can modify it verbally or in writing.
jesusucsb on 02/12/2011:
Nooooooo. You don't undersand. I have it in an email. I have an email from AMeX. A person says "I'm sorry you were given misinformation" its an email. I do have proof.
tnchuck100 on 02/12/2011:
You can try but as I said they will stand behind the corporate "contract". No employee can modify it verbally or in writing. You can probably find a statement to that effect in the agreement.
jesusucsb on 02/12/2011:
Thanks sir.. I'm an Army Vet. Glad to see I served and fought for pieces of garbage. OK thanks everyone.
Anonymous on 02/12/2011:
Sue? For what? At the end of the day, you still owe the money, whether you owe it right now or later (with interest). How much money do yo think an attorney will charge you? Just pay the bill, and don't throw your vet status into the mix. You didn't serve your country so you can sue companies who lent you money.
tnchuck100 on 02/12/2011:
I just looked at the Gold Card agreement and it looks like you should have been able to make payments. There must be something one of us has missed.
Anonymous on 02/12/2011:
My partner has the AE Optima card. We love it.
jesusucsb on 02/12/2011:
What? Really? Can you please give me a link...
And please I'm not conplaining. I want to pay bill. But when I'm threatened with "you must pay in full by Feb 21 or we cancel your card and go to collections, that's not fair.
tnchuck100 on 02/12/2011:
jesusucsb on 02/12/2011:
Thanks Sir!!!!!!!! ;)
jesusucsb on 02/12/2011:
Chuck what pae did you see it at, where it says YOU CAN MAKE PAYMENTS?
Anonymous on 02/12/2011:
Page 3 of the PDF seems relevant to your situation ("About Pay Over Time features").

What's most important is not this PDF, but the specific information they provided to you when you opened the account.

Notable: "If you enroll in Sign & Travel, we will automatically place eligible travel-related charges into a Pay Over Time balance." (Note the word "eligible.")

"A charge is eligible if it equals or is more than a certain dollar amount. We will tell you this amount when you enroll, and it is subject to change."
tnchuck100 on 02/12/2011:
I saw a reference to "minimum payments" and assumed that it operated as a typical credit card. Upon CLOSER examination I saw that only certain transactions MAY qualify for payments. But, as you found out already, it DOES state the entire new balance is due upon receipt of the statement.

Unfortunately they've gotcha. Pay 'em off and be done with 'em.
jesusucsb on 02/12/2011:
Right, but they are telling me "You were never eligible" That's where the whole misled thing started. I was told Yes you have this program. Now they say, I never had it
jesusucsb on 02/12/2011:
No, I told them "I'm not paying you whole amount. I'm paying you half this month half next month, You lied to me. So this is what I will do... I told them to go pound sand.
tnchuck100 on 02/12/2011:
Well, they have shown their true colors. If I were you I would have nothing to do with American Express after this.

If you will read some of the reviews on this site you will find that American Express has spit on many of their customers.
jesusucsb on 02/12/2011:

Response (Karan Singh Matharu) 02/12/2011 12:44 AM
Dear Jesus Tony Ruiz,

Thank you for taking your valuable time to email us.

I truly understand your concern regarding this matter. It is certainly disappointing that a Valued Cardmember like you did not receive a level of service that you truly deserve.

Please be assured that I have shared this information with the concerned department, so that they may look into this issue.

I have checked your card account and see that currently it is not enrolled in flexible payment option (Select and Pay Later). Enrollment in flexible payment option is by invitation only. Card accounts are reviewed regularly and invitations are sent as per policies and procedures.

Therefore, in order to assist you with this issue, I kindly ask you to contact our Account Services at (800) 842-5303 (24 hours a day - 7 days a week). From overseas, please call collect at (336) 393-1111.

I would like to assure you that when you contact our Account Services Department regarding your concerns, they will not only provide you with the required information but will also take appropriate actions to provide a satisfactory resolution to you

For your convenience, I wish to inform you that your American Express Gold card is a charge card. Therefore, the ‘Please-Pay-By’ Date (February 21,2011) on your statement is a reminder date. As long as we receive your full payment by the next billing date (March 09,2011), your account will be considered current.

We look forward to hearing from you and always consider it our privilege to be of service.

Sincerely, Karan Singh Matharu Email Servicing Team American Express Interactive Services
Anonymous on 02/12/2011:
If you pay half now and half later, what are they going to do? Probably nothing, but hit you with a big fee. As long as you are paying something, I doubt they will "turn you in."

It looks like AE allows "Pay Over Time" for travel expenses on a case-by-case basis. You weren't misled per se, you just misunderstood.

"Select & Pay Later lets you pay a charge over time in two ways. You may ask a travel industry merchant at the time you make the charge, or ask us after the charge appears on your statement. If we approve your request, we will place the charge into a Pay Over Time balance. If we decline your request, you must pay the charge in
full upon receipt of your billing statement."
tnchuck100 on 02/12/2011:
Looks like a canned response with zero sincerity and no acknowledgment of your issue whatsoever. Just a "pay us or die" attitude.
jesusucsb on 02/12/2011:
I was misled I was told "Yes! You have this plan, Just book the flight.. "

I was never told that it needed to be approved.
jesusucsb on 02/12/2011:
Response (Joy Blanchett) 02/10/2011 08:55 PM
Hello Tony Ruiz,

I contacted Customer Service on your behalf and received the following response:

I am really sorry for the wrong information provided to you regarding the Sign and Travel option. I understand that you are upset because of this. I have forwarded a feedback to the concerned department. Please know it will be shared.

Regrettably, I see that your account is not yet eligible for the Pay over Time feature. If you would like to speak to someone regarding this matter, please contact our Account Services Department at (800) 921-6490 (24 hours/7 days).

I am sorry that we cannot assist you with this inquiry via email.

Sincerely, Joy Blanchett Email Servicing Team American Express Interactive Services


jesusucsb on 02/12/2011:
AS you can see, they admit I was given misinformation.... But still PAY US...
trmn8r on 02/12/2011:
Is not an American Express Gold Card a *charge* card, and not a credit card? In other words you have to (and always have had to) pay it off each month?

I have to believe this is stated in the disclosure, and thus if I thought that I had a deal that allowed "pay over time" I would check darned carefully before going for it. The card terms are what rule.

I would put my effort into figuring out how to pay it off ASAP and avoid collections, not trying to file a lawsuit against them.
jesusucsb on 02/12/2011:
TRMN, Do you not read... I was told by the Customer Service people... "YOU HAVE THE PAY OVER TIME FEATURE!!! " Do you not realize this..
I was lied to.. And in the email I have, they admit to such.. This is the point.
trmn8r on 02/12/2011:
Go ahead then, file a lawsuit. Good luck.

My point is that it makes no sense to be able to pay anything over time with a card that must be paid off each month, if in fact those are a Gold card's rules.
tnchuck100 on 02/12/2011:
What did they say when you told them half now and half next month?
jesusucsb on 02/12/2011:
The lady said "again, I apologize for being deceived, I would be mad too, I will make a note that you won't be paying in full...."

That's all...
tnchuck100 on 02/12/2011:
Please come back and tell us what happens on the next billing statement. My guess is they will ad a late fee of $35.
jesusucsb on 02/12/2011:
trmn, Again, do you not read? They have a plan called "SIGN AND TRAVEL" Which I was told "Yes, You have this plan!" which allows you to make a large purchase, I.e. travel and make payments. This is not getting gas at an Arco! And then they told me, "You never had the plan"

Get it?
jesusucsb on 02/12/2011:
I just hope that I don't get collections calls, that's my only worry.....
trmn8r on 02/12/2011:
It turns out I can't read. Whatever you said - it must be right. That business about a Gold card always having to have been paid each month, since they started in 1986, I take that back. I don't know what I was thinking. {hits self}
Slimjim on 02/12/2011:
I don't blame the poster one bit for being upset and he/she has every right to. I doesn't matter what the gold card generally has for a pay back scenario, and it doesn't matter whether he/she bothered to "read the fine print", AMEX is totally at fault here. They should know quite well what terms they gave this poster and what they didn't. They told him/her there was time payments, the poster made a purchase based on that, then AMEX said nope sorry, we were wrong and need full payment. How can that at all be debated as if the poster was in the wrong or didn't perform enough due-diligence?
Sassy2 on 02/13/2011:
You could ask Amex if you can take this matter to arbitration? If not I'd get another card and pay them off they are not worth your time and certainly do not deserve any more of your money.Good Luck
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Amex USED to be good. Those days are gone
Posted by on
I've used Amex for YEARS for purchases. I spent approximately $500,000 per year as I used my card for business purchases and have been doing so since 2003. My purchasing follows a very specific pattern. I spend large amounts in February -> June and it tapers down after that, until the next February -> June.

For years everything was fine and their customer service was top notch. In 2008 something changed radically. Different departments could no longer communicate and it seemed as if Amex had divided into dozens of separate companies, none of which had any control over your account.

Ultimately, in 2009 I followed my normal spending pattern, only to have the card stop working on day. I called and was told, "You need to pay $10,000 on this card immediately or we can't allow you spend more (nothing was due at the time." I asked the rep, "if I make this payment, I can spend $10,000, right?" and was ASSURED that was the case. So I made the payment.

I spent about $3,000 more and the card was cut off again. I was then told there was nothing they could do and unless I paid another $10,000 immediately (still nothing was DUE) they wouldn't allow me to use the card. They told me the other representative must have made a mistake when they told me I would have $10,000 to spend. I promptly told them where to stick it.

I spent the next several weeks burning through nearly 1 million rewards points. Paid the card in full and told them to close all my accounts with Amex, as I wish never to do business with their company again.

Today I receive a phone call about an account that should have been closed. They were "reducing my credit line". LOL.

So I closed that account, that should have been closed last year and I am glad they reminded that I still needed to write this review to warn people not to do business with American Express.
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Wish there was a Class Action Suit, 25 Years, Gold Card, Joke!
Posted by on
I have been a loyal American Express member since 1984. I have used the card for years for business purposes and have never missed a payment. Last week, I was checking into a hotel and was informed that my card was cancelled. As I had never been late with a payment and knew the card was current, I was sure that it had to be some fixable error. I called AMEX to get it straightened out. The exact opposite happened; the non-English speaking representative confirmed that indeed my card had been canceled because of a negative credit report.

Since 2005, when Hurricane Katrina wiped out my business and finances, my credit score has suffered. I have always made sure that I was current on my American Express bill, as I would need that card to help rebuild my future after the devastation of the hurricane. My score right now is the best that it has been in 4 years.
The big question is what my loyalty has cost me. I hope there is a class action lawsuit soon that sues for damages caused by their neglect of loyal customers.

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saj80 on 05/11/2009:
A class action suit would have no merit, as AmEx (and All Credit Card Companies) are operating within the fine print on their contracts. What they are doing is not illegal, merely immoral.
Anonymous on 05/11/2009:
I am sorry to hear about your experience, but a class action lawsuit would accomplish nothing but line the pockets of a few attorneys. Your card is cancelled, and in return if your business has accepted American Express in the past I would hope that you would terminate that agreement as well. Turn it around on them, and "cancel" them! Good luck to you and your business.
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Harassing Phone Calls & More...
Posted by on
I have been a member in good standing with Amex since 1981. My credit rating is good and I pay my bills on time. In the last few months, I have received a phone call well in advance of the due date for payment asking me to pay my bill immediately. They even offer to arrange the payment over the phone. Today (1/11/09) I received a call saying they suspended my card until I make my payment. I asked why and they said that the credit report they have from Experien showed late payments and too much debt.

I went to the Experien site to check my report. I can't find any record of late payments and my credit score is in the 700's. I then tried to get the cardmember services agreement from the Amex website (it was not available) to see if they had the right to do this to me. My husband considers this harassment and wants to sue them. I am curious if anyone else has had similar experience.
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Soaring Consumer on 01/10/2009:
They are not allowed to solicit for a payment or suspend your account if a payment is not yet due.

I'd contact the FDIC.
DebtorBasher on 01/10/2009:
When I worked for Chase, we always called for payments before the due dates. But we were to tell the customer that it was a "courtesy" or "Reminder" call, not a collection call...though we worked in the collection department. They had us do that so Chase can push to make their monthly quota. And NO, I don't agree with doing that.
madconsumer on 01/11/2009:
not the fdic,,, it is the ftc.
Soaring Consumer on 01/12/2009:
Yes the FTC. My mistake.
Anonymous on 01/13/2009:
Amex used to call me with these 'courtesy calls'. DB is correct. Not mentioned, was that the Amex collections agent making these calls gets a pat on the head or other spiff if the gullible customer pays the amount early during the call. Of course they lied to you about the reasons for the courtesy calls...they are bill collectors and they can't help themselves and lying is part of the job description. Anyway, I simply told them to stop calling me or I would cancel my cards. They stopped immediately.
concernedfather on 08/11/2009:
I was late once on my mortgage payment with Citibank and they did they exact same stunt where they claimed it was a "courtesy call".

amexblack on 06/27/2011:
I have a Black Amex...I always pay my bill EARLY....and for the last 6 months I keep getting these harassing calls from them asking if they can go ahead and take my payment now....about 2 weeks before it is even due. They gave me the same BS, that the Experian report shows I have a lot of debt. Well guess what you idiots, I am a business owner, my personal income is more than 7 figures.....don't you think I would have a lot of debt? That's why you sold me on the black I could charge a lot on it. AMEX needs to stop aggrivating the consumer, especially the ones that charge a lot and pay early. Everyone needs to remember that they make 3% to 5% on every charge we make with them. Sorry to say but I think I may have to start giving my business to Visa.
Frustrated with courtesy calls on 01/10/2014:
I have carried a balance month to month on Amex for a very long time. I have been a card member since 1998 and in good standing. They have been doing these courtesy calls for the past 3 years calling up and demanding payment early or they will shut off your account until it is paid in full. I use my card to travel for business each month and I usually wait 3 weeks to get my expenses back. No courtesy or consideration for this is shown despite the fact that I spent 35,000 last year with them. They are a bunch of thieving crooks now. They always want money, demand you set up payments early and call it a courtesy. It's a collection call. Don't piss in my face and tell me it's raining. I threatened to report them for harassment, they finally stopped but every month there is a day that they call and call. Crooks
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Amex Lowered My Limit Too
Posted by on
HAWAII -- On 12-31-08 I put in an order to the same vendor I have used for some time asking them to put it on my American Express Gold Card on file. I was called back saying it was declined. So I call Amex thinking they had made a mistake or didn't receive my last payment for some reason. I was informed my limit had been lowered to $1600, (which coincidentally was what was owed on the next months billing). Got the same run around I have been reading on this review site etc. etc. My business with Amex will be ending, as I've seen many are doing on this site. However, I would like to make a suggestion as to what I plan to do. Don't cancel your card, use it once a month for 20-100 dollars. They will still have to send you statements (request mailing not online) do the paper work, for literally no return (2% from the merchant) which brings me to my next plan. I have a small business ($400,000 annual revenues) that as of today no longer accepts American Express. They aren't getting revenue through my store.

This is my first review but I will be posting all I can to as many places as I can; please help me pass the word.
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Anonymous on 01/01/2009:
I am glad that you are cancelling your merchant agreement with AMEX. I disagree with keeping the account open. Regardless of what percentage of a return they get I don't want to waste my time with a company who thinks so little of their customer. I severed my ties...I am done. I do not want to be associated with this company at all anymore. I do not want their card in my wallet, I do not want to see their billing statement in my mailbox again... I do not ever want to hear their BS story telling me what a valued customer I am, as they have so many times before, after they've shown they do not value my business at all.
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