- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I have been thinking about this. There are a LOT of credit providers out there, what is it that sets Amex apart?
To me, honestly, the biggest thing is they are in your corner. If you get ripped off by a shady merchant, Amex will back you period. I've had experiences in the past where the attitude was basically too bad, so sad, suck it up, the merchant had every right to screw you. (And I'm talking about a screwing as blatant as not receiving what you paid for and the merchant telling me I'm not going to get it, and yes the provider in question backed the merchant claiming it was due to "intangible goods" - that alone might tell you who the guilty party was....). When you get a screwing along these lines to the tune of hundreds of dollars, you are already angry, and the last thing you need is the provider not caring and holding you down while the merchant rips you off.
That ALONE makes Amex stand out from the crowd. And that to me is the biggest reason why I use it whenever I can.
But there is honestly more. What other company backdates your accounts? No one I know of, this is Amex only. And the customer service is terrific. I've called them several times and I have yet to speak with one who I can barely understand, reading from a script with no real answers to my questions, where I could get one answer today and call back tomorrow and get the opposite answer. I have experienced this before, and that sort of "support" is basically worthless. With companies like Amex (and Discover, FNBO and other prime lenders) you get Americans on the phone who you can understand and who can and will help you. When I called them and was talking with the CSR I was thinking I really felt good about dealing with a company that puts our fellow Americans to work.
These are the biggest things to me that really make Amex stand out from the crowd, other than the prestige of the brand (and that may not be worth much to others honestly).
I will go so far as to say the only reason I do not exclusively have Amex in my wallet is simply - potential FR, they could take it away at any time. And if they do I want to be able to fall back on plan B and move on with life. If this wasn't a concern, plus the fact that some places just don't take Amex, I'd see no reason to have another card.
And if you are wondering no I didn't lie on my applications to Amex, but that doesn't mean I still couldn't be closed down.
So in short, man I love Amex and these are the reasons that to me, this company stands above the rest.