They are the worst card we carry in our wallets!

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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They are the worst card we carry in our wallets!

Postby t-bone » Mon Oct 22, 2012 9:27 pm

I am trying to blog every chance I can about amex and the terrible customer service and how they treat customers.

1. Last year we tried using our blue card for paying for a friends dental work. The amount of the charge was $2800, our credit limit was $18k and our balance was (est)$12k. I called the receptionist, after the work was done, to pay the bill. I gave her the account # and "DENIED", I tried 2 more times and each time, "DENIED, DENIED"!!! I used my Bank of America card and "APPROVED"(beside, my rate on the BofA card is 6.99% vs. amex at 17.99%) I called amex customer service and guess what they told me more or less "owe well, that is how we do business" They reduced the limit the second I tried making the charge..VERY EMBARRASSING! I thought oh well. I have other cards. So again, I sign on the pay the bill, "credit limit reduced"..So, in our household we have decided to stop doing business with amex...we are paying off our accounts and will close by the end of the 1st qtr of next year.

I RECOMMEND NEVER TO GET AN amex CARD OF ANY KIND... I have heard so many sad stories about them. My partner has a good credit score, in the 700's and makes a good deal of money. I don't know why they do this. Try Bank of America or BMO (used to be M&I Bank) DON'T GET AN amex CARD..I WOULD NEVER, NEVER, NEVER RECOMMEND amex!!

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Postby jlam572 » Tue Oct 23, 2012 8:54 pm

Strange. I have the exact same story, except its with bank of america and not amex. Then I call bank of america (INDIA) and talk to Akbar or whoever and try to get the problem fixed...and just use my amex instead. Amex has always treated me well.
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Postby DavidNY » Tue Oct 23, 2012 8:58 pm

This could happen with any creditor. That's why it pays to have a diversified wallet.

I have received good US-based support from my creditors, but I usually call during US business hours so don't expect to be transferred halfway across the globe.

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Postby kcarter609 » Tue Oct 23, 2012 9:39 pm

A) Why would the interest rate ever matter? You should never carry a balance.
B) Why was your balance that high in the first place? Unless you charge $10-15k a month and pay it in full.

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Postby Rory » Tue Oct 23, 2012 10:50 pm

Okay, one bad experience doesnt mean that they have terrible CS, In my experience they have had great CS. Your opinion is based off of one bad experience, why do you give them a second chance. If you tripped one time and skinned your knee you wouldnt vow to never walk again and then yell at anyone you saw walking around you.
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Every experience is different.....

Postby FastSRT8 » Wed Oct 24, 2012 1:32 pm

But I would like to put this out there. My experience with Amex has been nothing short of amazing. As a current long time member, they have always been there for me and have treated me with the utmost respect and professionalism.

I agree there are exceptions to the rule and some here have had bad experiences but IMO, there are very few cards out there that meet or exceed Amex's level of service.

I fully intend to keep my membership with Amex and look forward to many more years of doing business with them.
Carpe diem quam minimum credula postero!

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Postby JNK » Wed Oct 24, 2012 5:00 pm

Did a customer service representative really just say, "Oh well, that's how we do business," and hang up the phone and that was the end-all, be-all?

If they really did do that, then you need to call in again and ask to speak to a supervisor/Account Manager and tell them the situation and express your dissatisfaction with it because that is horrible customer service and the supervisor definitely needs to know about it!

On the other hand, if that was your summary of the conversation, then please actually post -what- it was that the person said and not your own truncated summary of it because otherwise, it isn't fair and I would say the same thing regardless of which credit card company (or even just customer service in general) this was applied to.

That said, I have seen many of the major credit card issuers decrease credit limits for a variety of reasons including having too-high credit utilization. In which case, American Express would not and is not alone in doing this and they do this owing to risk and needing to lower the risk.

I know money can definitely be really really tight in this day and age and I've done high utilization before during some really bad days in the past, so I'm definitely not trying to make you feel even more poorly than you might already feel, but if you look at it this way from a business (the credit card companies') perspective:

Just for some numbers' sake, a $12,000 out of a $18,000 utilization is 66.67%. If the dental appointment was added to make an even $15,000 out of a $18,000, then the utilization jumps up to a whopping 83.33%.

This isn't a matter of $800 out of a $1000 credit line, either. This is a matter of a potential $15,000 out of a $18,000 and it does make a difference and I am willing to consider the fact that your BofA card is either linked to your banking account or its utilization isn't quite so high as your AMEX.

I agree that it doesn't seem fair that a company may suddenly cut back your credit line when you could really use it and even need it, but business is business and in these harder times, American Express is NOT alone in doing something like this to help minimize the risk they are taking in lending out credit lines.
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Postby Robrus1 » Wed Oct 24, 2012 8:16 pm

How is your payment history? I've never had any trouble at all with Amex, but I've never paid late either. My utilization has also never been that high. I agree with the above comments. Their business is a risky game and perhaps they decided it was getting a bit too risky. I have no doubt all lenders have done this to someone.
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Postby CC Deville » Wed Oct 24, 2012 9:55 pm

I smell a troll.....

A $12K balance on a card with an $18K limit yet has a 17.99% APR...shouldn't the magical BofA card with 6.99% have the high balance?

Post all you want about your terribly embarassing experience at the dentist....Amex's reputation is pretty solid and as others have said, this could happen with any creditor. They probably saw an already high balance and didn't like the idea of another $2,800 being added. Especially when charging medical bills to an already high balance banks have seen in the past that this can lead to the filing of a personal bankruptcy.

In the end, nobody owes you a darn thing and ultimately they can decide on what to approve and what not to approve. Don't like it? Give your business to another creditor or pay cash.

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Postby Socelli » Thu Oct 25, 2012 1:30 am

Hey T-bone, chill out, boy! One bad CS experience and you want to throw out the baby with the bath water. C'mon! Amex is a great company with a legendary reputation. Shake if off, learn from the experience and move on but for peak's sake, don't cancel your Amex card. You should really reconsider. Just pay off the balance, stop using the card for a while and then start using it again later after the dust settles. And, oh yes, pay off the balance at the end of the month like the rest of us. Amex will love you for it and we won't have to listen to you whine.
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