Some businesses don't have the Amex logo

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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AMEXPlatino86
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Postby AMEXPlatino86 » Mon Jun 03, 2013 8:43 am

rockyrock wrote:Wow, there sure are a lot of anti small business people on this thread.


Not even close. if anything I love to support small businesses. At first it's cool because you are trying so save as much money as possible and keep expenses low but after a while like someone said it's just plain selfish and greed. You pay to take V/MC and sometimes Discover but want to blacklist AmEx to "save" money. Especially now since it was said that Mastercard and Visa's percentage has gone up.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 776
TU: 774


DoingHomework
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Postby DoingHomework » Mon Jun 03, 2013 12:50 pm

It's not like that. V/MC/D all use the same network. Yes, I know they seem to be different to the consumer but to a merchant it is all the same account. Amex though is entirely different. Amex also nearly always takes the consumer's side in a dispute even if the consumer is clearly wrong. That makes me like the Amex card as a consumer of course but many merchants do not like it. Amex forbids you from filing mechanic's liens for example if people don't pay. Some professions like contractors have major issues with consumers not paying. They don't want Amex to limit the only way they have left of getting paid. Amex also doe snot allow all types of merchants to take the card. I don't know the details but I have heard that some places like used clothing or sporting goods stores are not allowed. Many of these stores get around it by claiming to be something else that they also sell.

Basically, as much as I love my amex cards as a consumer, I can say that they are very unfriendly to merchants and frankly they are really behind the times.

Reclusive46
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Postby Reclusive46 » Mon Jun 03, 2013 12:57 pm

Times are changing. Maybe not so much in the US but Amex in many countries are now even signing deals with Acquirers, so businesses automatically take it like they do with Visa and MC (And occasionally Diners).

Amex in many countries are now also beginning to offer the same rate or better than in Visa and MC.
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
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DoingHomework
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Postby DoingHomework » Mon Jun 03, 2013 2:39 pm

I agree. The environment is definitely changing. I like American Express. I'm just saying that they really are different behind the scenes from V/MC/D in some fundamental ways and that has influenced where they can be used and who takes them. (Remember the "don't take American Express" commercials?) But they are becoming more and more like Visa, for better or for worse. Look at the platinum and centurion cards. They used to be by far the premium in the industry. Now I think they still are but some of the Visa offerings, the palladium cards for example, or even the United Club Card, are giving them a run for their money. Laws are changing as well as you mentioned so there is no longer an advantage to doing things the way they used to.

websteth
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Postby websteth » Mon Jun 03, 2013 4:19 pm

Reclusive46 wrote:American Express acceptance in the UK is good usually, depends on where you are travelling. In the east it is pretty much accepted everywhere. All major UK supermarkets (Excluding Budgens, which barely exists anymore) and Petrol stations take Amex.

The only places I ever find that don't take it are small little shops and sometimes pubs and my vets. Some places don't know they take it though as a recent agreement with Barclaycard and Amex means that all shops that use BarclayCard Merchant services automatically take Amex (Or will do shortly). If its a small business Its usually best to swipe the card or insert it first, instead of asking.

If your using your Platinum, with chip and signature card, if the place doesn't take American Express the machine will normally just loop around saying "Processing card", rather than saying 'not accepted'.


Thanks. I'm going to London mostly but might venture to Brighton. Don't know yet. Already have the chip and sig card ready to go.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
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Chase: Sapphire Preferred Visa Signature, Freedom Visa
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rockyrock
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Postby rockyrock » Tue Jun 04, 2013 1:16 am

AMEXPlatino86 wrote:Not even close. if anything I love to support small businesses. At first it's cool because you are trying so save as much money as possible and keep expenses low but after a while like someone said it's just plain selfish and greed. You pay to take V/MC and sometimes Discover but want to blacklist AmEx to "save" money. Especially now since it was said that Mastercard and Visa's percentage has gone up.


I suppose if being able to retire at a reasonable age, put your children through college, pay for health insurance, paying a living wage to your employees, paying for liability insurance, etc. are selfish acts of greed than you got me on this one.

Most small business owners are the hardest working folks I know. There is no such thing as a paid holidays or paid vacation. Saving $5k a year on merchant fees could mean the difference between funding an IRA or not.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
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FastSRT8
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Postby FastSRT8 » Tue Jun 04, 2013 2:50 am

As a consumer let me put it this way. If there is a problem I for one am very glad to have Amex by my side. They work to ensure I'm satisfied then together the issue will be worked thru.

Can't say the other credit card company will take that stance.
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rockyrock
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Postby rockyrock » Tue Jun 04, 2013 2:56 am

FastSRT8 wrote:As a consumer let me put it this way. If there is a problem I for one am very glad to have Amex by my side. They work to ensure I'm satisfied then together the issue will be worked thru.

Can't say the other credit card company will take that stance.


as a consumer I agree 100%!
American Express (2005): Green & Blue Cash Everyday
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Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
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Reclusive46
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Postby Reclusive46 » Tue Jun 04, 2013 4:40 am

websteth wrote:Thanks. I'm going to London mostly but might venture to Brighton. Don't know yet. Already have the chip and sig card ready to go.


Brighton is where the EU Amex headquarters is. Brighton acceptance was really good there when I was visiting. Even the smallest shops I visited took it. Better than some places I've been in the US :P
Amex UK Platinum Charge Card

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AMEXPlatino86
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Postby AMEXPlatino86 » Tue Jun 04, 2013 4:15 pm

rockyrock wrote:I suppose if being able to retire at a reasonable age, put your children through college, pay for health insurance, paying a living wage to your employees, paying for liability insurance, etc. are selfish acts of greed than you got me on this one.

Most small business owners are the hardest working folks I know. There is no such thing as a paid holidays or paid vacation. Saving $5k a year on merchant fees could mean the difference between funding an IRA or not.


No sir my words are not to be twisted nor misconstrued. There are some small businesses that do that to save and others that step on people (sometimes their own employees) intentionally to make that extra dollar. The laws of personal finance also applies for business. If you can't afford a swipe fee for AmEx then you can't for V/MC.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 776
TU: 774



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