American Express Platinum Card

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.

I had an issue with Amex Platinum offer - I was supposed to get 10% back from Amex if I purchase from Nordstrom Rack, which I did but the order was processed by Hautelook (owned by Nordstrom) so Amex refused to give me 10% back. At first, I called up and complained and Amex could not help me, however, they said they would look into it. Two weeks later, they actually did look into this issue and corrected the problem for us. I got my 10% back in my account!! It was obviously the Amex Marketing's misleading advertisement but I'm sure they received quite a few complaints on this offer and eventually Amex listened to the customers. I respect that Amex realized its fault and corrected the issue. I have been with Amex more than 20 years and this was the only issue I ever encountered with them, and had a happy ending for us. I'm sure I will be the Platinum member for many more years.

American Express are one of my favourite companies - the customer service is always fantastic and, if you learn enough about how the cards work, the benefits are brilliant! I like them so much most of my blog is about earning reward points!

I was an American Express customer for 22 years. Originally it was for my company. Over the years I never had an issue. In October 2018 my business was severely affected by the wildfires that swept across Los Angeles county, in that my primary client lost his home and was unable to continue our work together. This crippled my business. For the next several months I tried desperately to save the company that has my name since 1997. In 2019 I was seemingly out of the woods, when, due to the stress, I suffered a massive heart attack.

22 of the last 23 reviews on this site = 1 star. I concur. I'm LIVID! Made huge 5 figure payment based on promises... they now refuse to honor. Frightening to think about what operating under the business model with no compassion or integrity is doing to their employees.

I’ve been a card member since 1988 for the teen card and I’m also a platinum card holder. I use my card every month for business expenses so the charges are significant. I don’t use the pay over time, it is paid monthly. In April I was 2 days late and AmEx sent me a letter stating due to my lateness the penalty APR for pay over time would increase to 25%. Irritated I immediately stopped using it and have a work Visa card I use. Now a month later, after AmEx realized I stopped using the card they sent me a letter stating after review of my account they wouldn’t be raising my APR and sorry for the confusion. Ha ha. Lost a customer, love it. You know why Amex ...I have excellent credit and have choices and now I’m not choosing you????

I had my account with American Express for over 6 years. Used them often. Last month I had a problem with Amazon orders being charged to my account. I called them and they said don't worry about it. They would take care of it. THEY DID NOTHING. They always talked how they would back you up but that's a lie. Closed my account today.

American Express is a fine company if you have no issues. But once anything becomes remotely complicated, they have gamed their system so that it is virtually impossible to get issues resolved. I have been an Amex member for well over 20 years and now have a disagreement about our balance. I am completely unable to get past their customer service representatives for a more detailed understanding of our account. An investigation was initiated at my request, and this proved utterly useless. Try to find an accountable person, a department who deals with large billing questions or any responsible party? Forget it. So disappointing. We rely on credit card companies probably too much. But some are more attuned to their customers than others (Barclays, for example). American Express has fallen in my estimation to the bottom. I'll quit them as soon as this issue is, somehow, finally put to rest.

LET ME MAKE CRYSTAL CLEAR WHAT TYPE OF GARBAGE COMPANY AMERICAN EXPRESS IS. I had been with AMEX for 16 years, and I’m a Doctor with student loans. I have had the platinum card in the past and found the benefits to be USELESS. I recently applied for the Cash Magnet card and was denied because of my student loans. They didn’t care that I had been with AMEX for 16 years with perfect payment history. I canceled my other cards with them and literally will never reapply for another AMEX card. They are money-hungry garbage and that’s why they have a Centurion Card for the filthy rich.

I have a gambling addiction and I am in recovery. Last year, I was in the process of maxing out all of my credit cards to gamble online. I was maxed out with American Express with only gambling charges. I was probably about 80% full on all of my credit cards and American Express decided to increase my limit to $3000. They didn't base their decision on any other reason other than they wanted to see me go in great debt and wanted to take advantage of my debt state with high interest charges. They are the most unethical credit card company out there and should be investigated by Federal agencies.

After waiting a year to receive my cash back which was showing in my account as £100, told I was not eligible. The customer service representative referred me to my statement advising £3k needed to be spent. After looking at statement, I could not find this information present. Customer service agent back tracked and said, "Is clearly on our website. Struggled to find out where?" I feel I have been cheated by AA and the terms of cash back should be made very clear at point of opening the card.

I have a problem with my card. I am overseas with the Military and American Express won't help me until I can call them from a US phone. That could be 3 years from now. Obviously not a company for Military or DoD employees!

The waiting time to reach them by phone is terrible long. They transfer you here and there and you can't get answers to your questions. They don't have an email address and this is a big red flag to any customer. They just don't want to be bothered. Too many complaints and phone calls they're not able to handle. I'm extremely disappointed.

I have been with American Express for 22 years. Currently I have a solid government job that's over 200k a year, am a 12 year army veteran and have a credit score of 810. Because I am purchasing a townhouse after living in a small condo for 10 years, I wanted a card with cash back benefits as well as a low introductory APR. Given my previous history with American Express, I applied for a Preferred Card. I could not get any information regarding the credit limit for the new card until after the application was approved.

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.

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.