American Express Platinum Card

I have been an American Express card holder for 30 years. My usage on the card is minimal. So, American Express decided to cut my credit line in half. This has caused my credit score to drop. American Express didn't even notify me of this policy change. This is a poor way to run a business.

I have been an American Express Gold Cardholder for over 8 years. I have held a solid history of paying it in full every month. Last month I was late by 6 days after adding up a larger balance than the norm. I received an e-mail after day 6 stating that I should contact American Express so that my card service wouldn’t be interrupted. I called American Express and they wanted not only that payment, but my next month’s balance (due in 4 weeks) in full that day ($9k Total!). I made a promise confirmation for my current balance of $4.8k for the next day. I paid the balance the next day.

In regards to the American Express Platinum Charge Card all I can say is from my personal experience, what a horrible, horrible company Amex is. For the last 2 months I’ve been dealing with 2 very ill family members and during this time I forgot about the $200 travel credit on my Amex Platinum card. Unfortunately, this travel credit, which I ultimately paid for as per the annual card fee, American Express, as per its policy*, claims I have forfeited and has effectively stolen this from me. *If you don’t use this credit within 1 year American Express will effectively steal it back from you.

My husband used this card for 6-8 years for his business and after Hurricane Irma he got behind on payments. American Express cancelled his card and put it under some other department so when I started paying the bills nobody could talk to me NOR could they add me as a point of contact even with his permission because the card was cancelled. But every time I called they were willing to take my payment. Our bill was over $50,000 and because we got behind on payments they charged us 29.99% interest -- yep, almost 30% on top of the money we were paying. We had to refinance our mortgage and take out some other loans to finally get this albatross off our backs. NEVER EVER EVER AGAIN will we use or recommend American Express. It is a horrible company with more horrible customer service.

I have 5 Amex cards for a number of businesses that I own and 1 personal card. I have never missed a payment on anything in well over a decade. I have been working with Amex because they have a good points system however for the 2nd time in 6 months my accounts are suspended until I submit a bunch of financial information. The last time this happened I had prepaid the $30,000 so they would stop shutting my card off. Instead they suspended my account anyway and held my $30,000 for 2 months while they did a "financial review".

I have been an Amex cardholder for 20 years and our small business recently had a dry spell so I fell behind on 2 Amex cards. I have called to tell them I am making payments as I can but all will be paid in full and caught up within 60 days. They said that is not good enough but I can talk to the hardship department. I did just that to try to work out a payment plan and they said if I can come up with $3000 today, they can enroll me in the hardship plan. If I had $3000 I would make a payment and get caught up!

I have received invitations from American Express for their platinum card for both my business and personal spending for many years without ever applying - completely normal. Recently I went to their website to check eligibility, spending limits, rewards point sign up bonus etc. While navigating their website it asks for personal information to check eligibility. The following screen has additional navigation tools to request more information - clicking on this actually submits your application, opens an account and lets you know you will receive a card within the week.

I was approved a American Express card in Dec with a credit score of. 755. So I apply for a credit increase since I was only approved 1000 dollars. And I was declined because they said I have filed for bankruptcy when I haven't so I contacted credit company and have a copy of my credit report and no bankruptcy on my reports. I don't know where that came from and got a letter saying after a careful review I'm still declined a increase so I call Discovery and they gave me a 12000 dollar increase on my card with them so Amer Ex can stay at 1000 in my wallet for good.

Been a member for, well most of my life. I am reaching senior years. 800+ credit. Never late. Reliable. Was loyal. It seems like sending me an punishment letter stating that due to my low spend activity they are lowering my credit limit and cash advance limit. Maybe by punishing seniors and demeaning us we will tell everyone we know how great they are? I've seen this before with other once great companies. All gone now. Punishing us for loving you. Hope it all works out with this great new customer service approach.

AMEX laid a big egg on me. I relocated from Atlanta to Jacksonville for my job. I take a couple weeks off to close on a house and move in then I have to work a couple weeks before my first paycheck in JAX. I was planning to use my AMEX card to pay gas, groceries and small bills until that first check on April 12th. You know? The kind of reasons people keep credit cards to begin with!!! However, as soon as I start using AMEX they cut my limit. Now I’m stranded and had no choice but to open another line of credit. Not to mention AMEX actions are uncalled for and hurt my credit score. If this line of credit remains loyal to me then I will no longer need AMEX. I will close my account when it’s paid and I will never do business with a credit card company as unreliable as AMEX ever again!

When I called Customer Service I was told they had other option for me to get a extension on my account so I won't lose my house by 1 April 2019. The customer service agent told me to call Monday. When I did he never documented anything we said to me the night before. So this is not acceptable. I personally think the customer service team needs to be retrained. I work for a company that sponsor AX and I am not pleased by the way I was treated by the agent today from 2 that were very rude and did not care about anything. I will NEVER refer anyone to AX. They have lost my confidence in this company.

I was a several decade long loyal fan, and customer of AmEx Platinum. I particularly enjoyed the travel benefits, for which I had not qualm forking over the extra $450/year. One could easily see that I paid my bill on time, and often in advance if traveling. Imagine my disappointment in American Express when an unscrupulous merchant sold me an item whose warranty was automatically void. The product arrived, poorly packaged, damaged, and bent. I took photos, called American Express. AmEx advised me “Don’t you worry about a thing Ms... This isn’t right, and we are going to take care of you. Thank you for being such a long time valued customer.”

I canceled my Business account with AMEX as AMEX increased their annual membership fee. Soon after that, AMEX reduced my personal credit line. As a result, my credit score dropped. Stay away from AMEX. My other cards increased my credit line. Go figure.

Did you know you only have 30 days to dispute fees? Nowhere on the statement do they tell you that. But that doesn't matter - according to the uppity representative who I spoke to, "You should have memorized your card agreement, because this appears on page 5!!!" No joy in getting any portion of these fees either, and only 35 days late. Think I will be looking at Chase Sapphire cards.

I have been with them for over 10 years and it has been a terrific experience. I wanted to add another card with a low interest rate and no yearly fee and this fit me 6 years after my divorce and I was rebuilding my credit. I also enjoyed the points as it has helped me buy a Weber grill and building supplies for our house through Home Depot gift cards. My wife lost her wallet a couple years ago and because the members have separate numbers they did not have to cancel my card and the new card arrived in about 3 days! Also last year twice I had a weird $1 charge on Google Play and I am on an iPhone so they reversed the charges. I am an AmEx member for life.

Took Amax up on a zero % interest cc, no transfer fee to pay off another credit card. They charged my new card to pay a JC Penney account - which I have no account with, no debt to them. They told me it would take 6 weeks to resolve and I am responsible to pay them payments to pay off $4500.00 which they paid "willy nilly" to the wrong place. Appalling. Where R consumer protection actions? They threatened sending me to collections when I complained about paying a debt that isn't mine. Charge my account and send the $$$ to where ever. I'm still in awe of the extent of their incompetence and arrogance

Shame on you AMEX. My father died one month ago, we closed his AMEX card as we should, you guys shut down his autopay therefore we didn't pay the bill immediately, had to wait for the bill to arrive. You had the nerve to send his account to a collection agency and my mother gets a nasty letter in the mail, she's in mourning. Hasn't been responsible for bill paying in their household ever and this is one of her first experiences. Is that really the way you should treat a 50+ year member? Reassess the handling of this situation in the future. You've lost me as a customer. I'm closing my account with you, I'm disgusted by your actions.

I have been a member since 2007, I am really very disappointed with the service and what was said to me. I booked a flight through American Express website and had to cancel the flight. When I spoke to a representative I was told there would be a cancellation fee of $200.00, which I was okay with it since I had insurance but when I checked my email later I noticed there was no money refunded and I called and spoke the representative.

I applied this card last summer and they never sent out the card and 3 months later, they called asking me for the membership fee payments. I called them at least 8 times to solve the issue, every time the answer "we opened the investigations" and will get back to me, but they kept called me asking for the money, over the card I've never received nor did they sent out. I have 3 other cards with AMEX and I am not planning to use any of them anymore. The services I experienced with Visa/Chase was 10 times better than AMEX. Take your business elsewhere people, not AMEX.

I thought it was just me and then I read of the bad reviews on this site. After using a platinum card in Canada with no issues for 10 years, spending $200-$300k per year, I moved to the US. Boy, what a change. Very rude, demanding. There was some paperwork issue after a couple of months and the card was 'frozen', my wife left trying to pay for something and the card would not work. No phone call, zero. I called to try and figure it out and a very rude Amex representative told me the account was frozen because additional information was required. Shockingly bad service. I guess there are so many people spending lots of money with Amex in the US they just don't care. I closed the account and we have moved our business elsewhere.

I started my relationship with American Express with their Blue Cash Everyday card roughly a year and a half ago. Never been late with them, used the card occasionally, PIF within a month or two. Fast forward to Jan 2019, they sent me a notice that I was approved for an upgrade to the Blue Cash Preferred card. I accepted. Activated the new card once it came in the mail. Everything went great until yesterday when I got an email stating that my CL was dropped to 1300 from 2000! I called C/S and the rep said they did an "annual" review where they pulled my credit file and saw that I had a couple of other cards with a balance. Since they didn't "like" that, they dropped my limit. Did the appeal with the rep and I either have to pay 600.00 of my balance down or send them documents proving my income and assets.

I am an Amex customer since 2014. However, I have been experiencing bad customer service since November. I will summarize the facts. Throughout the last year, I was asked to upgrade my Amex card. After I rejected twice, I accepted this offer at the third time of promotion from the customer service in November 2018. (This background is important because I want to emphasize that I have NEVER asked for the upgrade.)

I used the American Express card for more than a year. It was shocking to me that they will charge you extra money each month. You cannot simply trust these folks. You need to keep an eye on the statement each month. I would advise not to use this card.

I made a payment for my Jan. bill for my AMEX account early, on Dec. 28, assuming since I already made my payment for my Dec. bill, this Dec. 28 payment would go toward my Jan. bill. At the end of Jan., I discovered I was charged a late fee and my credit score immediately went down. When I called AMEX, they said the 28th of the month was the last day of my billing cycle for that month, so they applied the second payment made on Dec. 28 to my Dec. bill and not Jan. Therefore, my Jan. bill was considered "late-unpaid."

I have banked with AMEX for over 20 years and I have not missed a payment on my cards and I have an exceptional payment history. This company now has disrespected my service of 20 years over a simple $2700 payment when I generally pay over $200k per year through these accounts without issue. A direct debit overlapped with a mortgage payment and was apparently the cause of the AMEX payment being declined. I was not informed of this at all apart from some strange person asking for my ID over the phone and refusing to tell me what was wrong. My credit history accounted for nothing (near perfect). Needless to say they could have emailed or mailed me about this.

Signed up and agreed to pay the ludicrous annual fee because they offered 100k points. They ended up denying me the points for some total BS reason, but I still had to pay the fee. Plus, the benefits are not very good. "Free" stuff you don't need isn't such a great deal when you're paying through the nose for it. Stay far away!

Had 2 American Express cards. One gold and one blue. Used them until I did bankruptcy but paid them in FULL and closed them to be safe. That was in 2013, tried to get a American Express delta gold and thought for sure I would get it. But Surprise! "The reason was Your accounts were closed." Um ok what does that mean? I called and they could not even explain or give a reason. I guess it was a blessing because it looks like they have done downhill over the years fast. Oh well their loss. Don't recommend.

I accidentally overpaid A.E. by $10,000.00. You know the extra zero for my $1,000.00 payment. So I called them when it left my bank and told them of the overpayment, they said someone would call me when they received their funds to initiate a refund. No one called, so by the second day I called and asked for a refund. They said, "Okay we will mail you a check in 7 business days." I said that was not satisfactory and HAD TO ASK for a Supervisor and asked for wire to my bank. I supplied the account and routing number and was given a confirmation number.

I was recently victim of fraud on my Amex plat card. Now for a company that presents themselves as a titan in customer service this should be no problem. As it turns out that's not the case. After disputing the charges Amex collected proof from the fraudulent company showing delivery of the products. Amex immediately re-applied the charges to my account. But no product was delivered! And the evidence they used to re-apply the charges was clear that this was a case of fraud. 10 packages to two diff addresses with only one tracking number! UPS stated that that is impossible! I then brought this to the attention of Amex and they still argued that the product was delivered. Even after UPS stated it was never shipped! I have since canceled my accounts with Amex and will never do business with them again.

I've been an American Express Gold Card member for almost 10 years now (and one of those lovely customers who rarely calls in for anything but makes all payments on time and pays an annual fee just for the heck of it). I used to think AMEX had the best customer service but now I think they have the worst, and here is why.