American Express Complaint - I Just Don't Get It - Credit Card
INDIANA -- I've read so many of the other complaints against American Express - now I'm ready to add my 3 cents (literally).
Towards the end of last year I received a letter from AX advising me that they lowered my available credit. I was furious to say the least, so I pick up the phone and call them. They put me in touch with the RLA Department. To say the least they were worthless..... I told them I had never been late on one single payment ever - she said they can only go back one year and she can see I was making my payments on time each month. Great then whats the problem. She advised me that I had delinquency on my credit report. After a few unprofessional words, I advised this moron that I have NEVER been late on a debt ever. I pay to view my credit report each year.
So, I asked the question.. If I pay $2k to this card today, will you take that available spending away from me, and she informed me that she could not tell me if they would or wouldn't.
Well, I kept making my normal monthly payments and guess what three months later they reduced my credit again. Go figure... So, here I am talking to the morons again. Advising them they are killing my credit by not giving me available credit. I've also noticed they have been making inquiries on my credit each month not every 90 days. They advised me I signed a contract giving them permission. Ok great but each month? So in the letter I received it said I had delinquency (again my credit is perfect), that my credit score was not sufficient (again because of them lower my availability), the number or inquiries made on my credit - I have not applied for credit in more than two years (they are the one's who keep inquiring).
I was going to just cancel the card yesterday, however, one representative named Joe noticed I had some points and should cash them in. So, I did do that.. Glad I did after reading other reviews that they take them away.
I'm done with AX - I will pay off my other credit cards and transfer however, AX you will get your monthly payment as usual. Go ahead keep reducing my credit. I really don't give a rats behind anymore.
P.S. when I mail in my payment make sure you read the nice notes I write on them each month. It is just me expressing my thoughts.
P.S.S. I don't think this company is worthy of having the name American in it. Because they are definitely not doing things the American way.
Boo to you