American Express Platinum Card Reviews

I have been a customer of American Express for 54 years, since 1971, including the last 40 years as a Platinum card user. I was a very substantial customer and was offered their exclusive Amex Black card on a few occasions and chose not to switch. In 2025, being retired, I wanted to switch from Platinum to a card with lower fees. When I advised Amex Platinum service that I wanted to switch their friendly tone changed to hostile and they immediately advised that my card would be cancelled immediately, with all my history and records wiped out, and I would need to reapply for another Amex card as if I had no prior record with them. I was shocked and told them that these are Mafia tactics used by them on a loyal customer of 54 years. And true to their word, when I got off the phone, my account was wiped out, as if I never existed. What a horrible, horrible company Amex is. Shame on them. Greedy money hungry outfit, Amex.

American Express treated me terribly. I was told by their own rep that I earned a $250 welcome bonus, only to have it taken back months later with no warning. They never sent alerts that I was short of the spending requirement, yet they emailed immediately to demand payment. Their customer service was robotic, unempathetic, and refused to take responsibility for misleading me. Truly disappointing.

Been a card holder for 32 years. Even had a Black card at one point prior to Superstorm Sandy. Now after the covid ordeal I have a low credit limit and have to pay off my card every time I use it in order to have access to it. I spend over 5K a month on an average. The complaint is multifold. Mainly that payment is made immediately as an electronic check form my banking account to AMEX. the funds are out of my account and starts as pending. Even when my bank reports it as posted, AMEX does not update their systems to reflect payment received and check used. They take an additional 4-6 business days to release a hold on the AMEX card use and line of credit. Once over the credit limit, they delay updating the account and ruin credit scores.

Their customer service is getting worse every day. It used to be personalized. Now everything is so automated that nothing makes sense. You pay your bill and get a notification a week later telling you that your bill was due a week ago. So you assume maybe your payment didn't go through. They tell you it was just a glitch. Don't worry about it. Fraud notifications for frequently used vendors. When you talk to customer service, they really don't care anymore.

I booked an AmEx platinum preferred hotel in Dublin, The Westbury. The hotel has major building work going on all day, the room was small, badly lit especially the bathroom, uncomfortable small bed. The room was not ready on check in. A list of Platinum benefits was read to me none of which was actually available on the day!! At check out I received a 25% discount but was told it was not their fault, "the booking agent Amex should have advised me, of building work, at time of booking". Why is this hotel on the platinum preferred list at the current time? Does Amex actually keep up to date reviews on their recommendations?

We always accepted AE at our retail store with no issues. Until one lousy customer bought a boat trailer before buying his boat. He hired us to do work customizing the trailer. We even registered the trailer in his name. After many weeks the customer left a voice mail saying he wanted a full refund. It turns out the boat purchase never went through. We offered him a way for a refund minus our actual costs involved so we wouldn’t lose money because of his altered plans. This was in spite of the fact that deposits and trailer sales are non-refundable.

Member since 2018. Just closed accounts. The customer service is horrendous!! Can't understand anything clearly out of country reps. This last time I was transferred 6 times each time being ask to repeat myself!

I’ve been with AMEX since 2005 and always contested that they have the best customer care until recently. In the past year, my interactions with customer service have been very disappointing to say the least. Each agent has been rude, unwilling to discuss what options best work for optimizing my card usage to take advantage of the points, condescending to not knowing best offers, hanging up the phone without polite etiquette, and deferring me to their website even after stating that the website didn’t have the information I was looking for. This by far has been the worst experience and it was much better when customer service was outsourced.

I wish I could give this negative five stars, even negative ten stars. This is such a joke of a company. Nothing but a bunch of ** and liars. Too much to go into detail. Just trust me when I tell you you should stay very far away so they don't lie to you.

I have been with American Express for my business for well over a decade with an okay experience. In the last year my payments don't go through, I am afraid to pay my bill, the money just disappears into a black hole vortex & I get late fees & forget about trying to get help with customer service, no one is home there!!! I submitted complaints to the consumer protection bureau & you should, too!!!!

I made a payment and then received an email stating the payment didn't go through. So I made another payment that they received just fine. Then 5 days later they decided to reprocess the original payment after I had already made a payment. They stole an extra payment from me. Don't trust this company. They are thieves and liars. Update: Now that I have made 2 payments in 5 days. One of them you stole, you put a hold on my account I've sent almost $200. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY.

While there are a great deal of useful incentives and value in utilizing AMEX cards, you must be careful with the high interest rates and the hidden fees. The rates are publicly spelled out but the hidden fees are not. I was recently charged three $29 returned fees for electronic payments I was trying to establish. Anyone who has done this know how challenging the process can be. I even had to call customer service to get assistance.

I’ve been a loyal customer for years! I always post on time if not the entire balance. I had 20k limit. I wasn’t even halfway and they cut it to 7500 leaving me at a deficit. This is horrible business practices. I will pay them, cancel my card and make them viral on social media! Spread the word!!!! ** off big Amex. Taking advantage of people of people!!

We were charged from prime for something we did not order. They said we were out of luck and they can charge us and we can't dispute them so we stopped business with them. With so many fees with credit charges there should be more service.

After 14 years as a loyal customer, I’ve had one of the worst experiences with American Express this past week. A payment from my checking account was rejected due to a security feature on American Express’s side. Even after calling my bank with them on the line and confirming the funds were available, American Express decided to cancel my credit card, slash my limits, and restrict both my personal and business accounts without notice.

After being with American Express for over 13 years, and spending millions of dollars on their cards over the years, they refused to cover some fees when I traveled that I wasn't aware of. Their customer service is terrible now, they used to have the best, but not anymore. I will be given my business to other companies.

Amex arbitrarily lowered my credit limit, for reasons that make no sense. It caused a 10 point drop in my credit score. This will end my association with Amex. They have ZERO customer respect, and wanted me to jump through too many hoops in order for them to review their actions. I would advise anybody considering their services to steer clear of them. I have been with them for years without ever having any issues. I am absolutely done with them now.

I have been an Amex card holder for 49 years (I know!). I recently found out about a perk that pays for TSA precheck for myself and my wife. Only problem is I paid for both my wife and myself on my card, I am the main cardholder. Amex only reimbursed my TSA charge and not my wife’s. I thought this would just take a call to Amex to fix… ”your wife needed to use her card to pay to get reimbursed” was the response. If I fly Delta they only pay for people's baggage if I paid for the tickets on My card! I have so far, after multiple calls, gotten nowhere with the people from India. Not happy at all that after almost fifty frikkin years with Amex.

I made a reservation with American Express (AMEX) Platinum Card travel service for a luxury van rental in Los Angeles, CA on July 9, 2025, with the expectation of a positive fun day touring the city. Sadly, this was not the case. AMEX failed to communicate verbally or via email information about the pickup at LAX. This failure resulted in difficulty locating the chauffeur, leading to a significant delay and inconvenience. According to the Limousine service, reservations booked via AMEX are advised of the meeting point and instructions for this service. To be clear, I never received any pick-up information and was expecting the Chauffeur to meet our party in baggage claim.

I have been a customer of Amex for close to 20 years. In the past they have been great. I haven't had to call about an issue in years. But today I called about an offer that I had applied to my card, and used, but had not received the account credit. I read all the fine print about the offer, and how to use it, accessing it through their specific link, etc. I followed all the directions, and when I called Amex about it they said that I didn't follow a single direction and that I would not be eligible to receive the account credit. They did offer to open an internal investigation, but after the conversation I had with them today I don't expect any results from that. I was actually considering opening a HYSA prior to this, but the way they handled an offer worth 10% or $125 maximum has changed my mind completely about this company.

American Express is a joke! The interest rates are ridiculous!! They don't make anything easy to pay off your credit. Every time you think your payment is going down it just goes back up $100 every monthly payment. On top the customer service acts as if they don't know anything about american express. I've asked 5 different representatives if they can remove an inquiry on my account which states on american express' website that inquries can be removed, when I asked it to be removed 5 different reps told me they cannot remove it, that american express does not do this and that I would have to contact my credit agency. 1 of the representatives asked me to send him the link of the website that where it shows american express can remove inquiries, he completely ignored it and sent me a link for identity theft. So you have false advertising and poor identity theft protection. Good job american express.. just another business that's full of crap!!!

AMEX card, simply you guys are complete Idiots. I had a very high credit limit. I’ve paid it off three times and I think that’s what really bugged them because I don’t carry a balance on my card so one personal loan I had out I was over 30 days late because I had to file a complaint against the creditor so American Express card automatically lowers my limit to $1000 and I pay a higher card fee to have this card yearly. Well FU American Express. I will encourage young people and anyone who needs a good credit card to not even consider your card. Capital One is the best card overall!

Used to be a decent company, now they outsource their customer service to India and they are unable to understand how to file a dispute. Sickening that Amex has done this, will def be cancelling my cards due to this major inconvenience. Points don’t go nearly as far as they used to, no reason to pay the annual fees anymore.

Worst customer care service ever. I order card and didn't get it for 2 months. Spoke with "Michael". Indian guy with broken English. They say they send it and claim the address was wrong 4 time. After I ask to speak with supervisor because after 2 months wait they should send the card on overnight delivery. They told me supervisor will contact me in 24 hours. This was what make me choose to cancel them before we even start our relationship. Very disappointed. They get 0 in customer care.

I have had an American Express Gold card for 43 years. Both my wife and I had the metal cards. I recently switched to Platinum within the last month and got a companion card for my wife. When I received the cards in the mail, mine was a metal card and the companion card was a cheap plastic card that was white. When I enquired about this with customer service, I was told that they don't give metal companion cards. Of course they don't tell you this when you apply. They want you to apply for an additional card at $195. You would think that with an annual fee of $695 they could afford to supply a metal companion card. I asked if I could switch my wife's card back to gold and they don't give you that option. The only option available is for us to both switch back to gold. There is another option. My wife will be using her Visa card which by the way, they supply a metal card and there is no annual fee.

I've been a loyal customer for over 20 years and received an incentive for opening a new card for Hilton Rewards. They offered a great incentive if I charged a minimum of $1,000. within the first 6 months. After I completed that obligation, I find out that I had to apply for that benefit separately. So, disappointed, I did just that. I charged up another +$1,000 of charges and found out that these points could only be cashed in for travel bonuses after I was told it could be cashed in for cash credit on my account. What a bait and switch con advertisement! I quit these crooks and cancelled two credit cards and my HYSA. I HATE AMERICAN EXPRESS!!!! They treat their customers poorly!!!! Do not recommend them at all!!!! **

I been with American Express over 10 years, never a late payment. Once I travel my plane was delayed, lost my stuff for a day. Once I got a hold of my belongings and self together realized my payment was due literally 5 min late and they couldn't waive it

AMERICAN EXPRESS, You are now giving me 3 options for a payment plan to pay back a debt THAT I HAVE ALREADY PAID IN FULL!!! I was on a payment plan to pay off an existing debt CREDIT CARD BALANCE which was started in August 2023 and paid each month as agreed upon by both parties and finished payments in February 2024. This was for the exact amount that we agreed to pay with American Express.... NO MORE, NO LESS. The current charges of $842.74 was added on interest, added on interest placed on my account after I finished my AGREED UPON PAYMENTS.

Would not use AMEX. They do not care about their customers nor do they support them in disputes process. I was clearly scammed and AMEX did nothing so I will be closing my account and using my money with chase Sapphire. Worst experience ever. Find another card that values customers and the money they spend. I disputed a charge and they immediately closed and I provided screenshots of scam, receipts, postings.

Unless you travel a lot, don't bother. Even for frequent travelers like myself who don't spend a lot forget getting real help from concierge. They will not get out of their way to help you when you need them. They only reason I got the card is for lounge access. Can't even use it in a lot of airports and they won't find you an alternative.

During our first visit to the Priority Pass lounge at MSY, we were denied entry despite there being approximately 10 open seats visible near the entrance. We were informed that an advance admission fee of $9 was required to guarantee seating; otherwise, the expected wait time was up to three hours. Additionally, the door attendant explained that one airline is permitted to pre-book up to 90% of the lounge’s capacity, which significantly limits availability for other Priority Pass members.

I have been an Amex member for over 22 years. I have a credit score of 840 and ALWAYS pay my card early. They are cancelling my card because I refuse to send financial records. Stay away from this company. Tried to resolved with several agents, they were all rude - granted I’m pretty upset. With these policies they’re doomed.

Updated on 06/14/2025: The saga continues. Amex sent my card Fedex. I received a FedEx package on June 13, 2025. All the paper work was in it however the card was NOT. This is the terrible service I received.

Been a customer for 38 years. Recently got scammed for 7k. Amex did nothing to help out because the company was in Canada. It’s called qualified leads. Total fraud and Amex did nothing to help. I spend over 25 a month with these clowns. Not any more. They are losing my book of business.

I have multiple complaints with American Express Platinum card services. Considering I paid $695.00 for an account, I am expecting superior services. This has not been my experience for the following issues. I mailed a payment by check for a balance over $27,000.00. I mailed it a week ahead of time. On the due date the check had not posted so to be sure the account was paid on time, I made an electronic transfer from my bank to pay the account. They posted the check the next day. I called to get the $27,000.00 + refunded back to me. I was told they had to wait until the check cleared.

Issue Platinum on Fed ID and charge $695 but link to SS # which had a card with $695 fees, so 2 times fee. One on SS # and other Fed ID but one credit limit on SS # which different than what they offer during application. SCAM...Beware... Don't apply business card.

Greedy company. I had ONE late, no others over my 2 years with this account and they would not refund the $39 late fee, not even the supervisor Andy would not. Stay away from them. A smaller company may better as they actual care about your business.

I've been an AMEX business customer for over 30 years, currently holding a platinum card for over 10 years. My business spends over $75,000 annually. I applied for a gold card after receiving a promotional email offering 125,000 points if $15,000 is charged in the first 3 months. Shortly after, I received a mail promotion offering 175,000 miles under the same terms. Despite making multiple calls to resolve this, AMEX ultimately refused to honor the better offer. I felt extremely disappointed and frustrated. It was not just about the points; it was about the principle of honoring their promotions and treating loyal customers with respect. This experience has made me reconsider my longstanding relationship with AMEX and whether their services truly value my business.

I’ve been a loyal Amex customer for years, but my recent experience has been deeply disappointing. I was charged a $325 annual membership fee even though I had clearly told customer service I couldn’t proceed with renewing my card until they resolved a promised $100 credit on my corporate card, which I also hold with Amex. They acknowledged that the promised callback never happened, yet still refused a refund, claiming I missed the 30-day window. The only reason I missed it was because they didn’t follow through.

AE the card itself is fine. But as a business Traveler its Lounge policy and access is misleading. I often fly standby because my schedule changes a lot. Many of their lounges will not allow you access if you have a standby ticket even though the policy clearly says boarding pass. This is very frustrating as it is supposed to be a very business Friendly Card and Company but obviously does not understand how many business people travel. This needs to be revised as soon as possible or as a warning to business Travelers who fly standby. Do not get this card.

Worst company ever. I was their customer for 9 years. One day I saw an unrecognized charge on one of my 3 credit card accounts, submitted a dispute and after a few days they charged me back saying that I made the expense, which I didn't. I proceeded to cancel all 3 accounts including 2 I had an annual membership for. We will see who suffers more. Stay away from this company if you can as they will not investigate if you are a victim of fraud and will make you pay what others bought using stolen credit card info.

We have had an American Express card for 19 years! We we robbed in Mexico, Costa Maya. The "vendor" tried to charge 900.00+ dollars three times. American Express let one of the charges go through. We reported the scam, disputed the charge but were never able to get any help from Customer Service. Shocked how we were treated. We had to prove we robbed/scammed in Mexico ....This was our first real family trip since 2020. Need I say more.... We can't let American Express poor treatment of us ruin the memory of the trip. We just paid off the account and closed the account....After 19 years....Yes really 19 years.

Take the advice of many others on here. They will absolutely max your card out by dropping the limit if not paid in full or close to each month. Do yourself a favor and go with a different bank. All payments made on time, not even close to my limit and they lowered my limit maxing out the card and lowering my credit score by 100 point. 72 hours from the email stating this was going to happen to it taking place. They’re horrible.

Very poor. No service.... I have a few disputed charges all legit and just closed out and supplied chats and communication but no help not like before.... So I really think I will choose different products...as we have many cards and company with Amex but cost me time and not the understanding like back 2 decades just wasting my time and money.

Great brand and benefits! Happy to be a customer and will continue to be a customer. The customer service availability to always smooth and easy going, I never have to worry about them getting back to me or not in a timely manner.

Customer service keeps repeating same words like a prerecorded paper to read from. Not helping with true issue. I asked for a supervisor or the account Receivable department. Would not transfer to maybe someone who spoke better English either.

I have been American Express member on and off for years. I’ve had some credit issues, but I’ve always been able to redeem myself and established good credit. Because customer service has been very frustrating. They accused me of being abusive and canceled my membership. I didn’t point out any ethnicity group, but I was very frustrated. I realize they can cancel your account for abuse. I was paying off my credit line each month so they weren’t making any money off of me. Go figure.

Due to lack of use my card was cancelled without advanced notice, very embarrassing situation for my family and myself, I would not recommend doing business with this unamerican express, I called customer service for an explanation and was told this is their policy.

The SFO AMEX PLATINUM LOUNGE - has been “closed for maintenance“ FOR TWO WEEKS!!! I paid over 500.00 for this platinum card to use these lounges!! Last two international trips I could not access the lounge - The other lounges are 30 mins away from international terminal. Do not get a platinum card!!! Rip off!! No customer service - disgraceful!!

A customer of over 48 years, AMEX has dramatically declined in its customer service. For example, I have been attempting for 6 months to use my points with Emirates. AMEX cannot link to them and cannot explain why, even after getting an Emirates person on the phone with an AMEX person. This has been ongoing for 6 months and it seems that reps, once you ever reach them, run through the same questions over and over again, wasting time and effort. One rep actually told me: "too bad, there is nothing we can do". AMEX needs to stop marketing products that it does not really have. I have 6 cards with AMEX and a High Yeild savings account. I am cancelling a card every other week and then get rid of the High Yield Savings - AMEX cannot be trusted.

Amex is NOT about customer service. I was a very good customer, spending about 65k/year paying off my cc every month. On 1 occasion, I paid electronically on the due date and it was posted. They chose not to acknowledge it for 3 days, and slap a late fee on me. I called to get it waived, they did waive it but didn't tell me there would be $260 in interest. I called about that - said it was deceitful to waive the fee and not tell me about the interest charge. They would not waive the interest. I don't need the stupid skymiles, I can use my cash back from my Chase and Fidelity cards to buy my airline tickets. What a joke. Something so small they could have done; it wouldn't be anything to them. But I'm done with them.

The customer service experience at American Express has declined through the years and become a failure. They no longer provide a good experience. If anything goes wrong and you have to contact them, you will most likely receive someone who is reading from a script and can't think to resolve your problem. If you experience fraudulent charges they now freeze your account, decline your autopays and takes about 7 days to receive a new card. They don't care if you get penalized from your declines and don't have a way to rush the card. If you ask to speak to a supervisor they will either put you on hold for extended period of time or inform that a supervisor is not available and you will receive a return call in 24 hours.. I've used American Express for 20 yrs and the last two years has been complete disaster.

I would avoid this card at all costs (no pun intended!). They claim that there is no preset spending limit on this card, but that is a lie! If you are naive enough to use their “Pay It” plan, they will screw you till the cows come home! Make extra sure that you are properly informed of the consequences of using such a plan (which nobody is as it is yet another AMEX ploy), then there is not such a thing as “no preset spending limit!” Even if you pay every bill on time each month, they will deny any charge you have, be it $12.00, or $30,000. Their claim of no preset limit is COMPLETELY FALSE! I seriously hope someone has the energy to file a class action lawsuit against them for misleading practices.

For a premium brand (I have a Platinum card- 2 as a matter of fact). The service is horrible. I bought 2 gift cards for Christmas gifts - still have arrived. Customer service can’t do anything except “I will write a ticket and someone will call you.” I am so disappointed. My New Year’s resolution is to cancel my Amex cards, this is ridiculous.

American Express only cares about the merchant and not the customer. They go along with fraud that business commits and will take their word vs proof submitted by the customer. I would stay away and use local bank cards where you can have a real relationship and get protection.

I tried to open a dispute about a defective item I got, and I collected proof to use in this case. However, instead of helping me set it up, their agents were incredibly rude and unfriendly, acting like lawyers hired by the other party and tried to discourage me every possible way they could! They even tried to threaten me with account closure! I am going to end the relationship with them after this billing statement. Besides, their 20% discount promotion with other sellers like Amazon is a lie. So many other cardholders like me don't get this chance at all. Any company which doesn't treat its customers with respect and honest is not worthy to partner with.

I'm so disappointed with American Express credit card, interest rates and annual membership renewal are crazy high. I even stopped using my credit card because every time I purchased something they charged you a fee depending of the amount of purchase.. Is ridiculous how the company operates and how easy they still people's money... 😡🤬🤬 Is good to have a credit card to build credit score but isn't good when they stealing your money with high interest and high annual fees. They are making billions each year. So definitely I will not recommend American Express to anybody out there specially to my family... I'm contacting Consumer Affairs company to let them know about this matter...

I bought this card for the travel benefits including lounge. Every time, not kidding, I travel every lounge is full! I called after the fourth time of this happening asking for compensation of some sort. Nothing. I spend millions (literally) per year in my card. After 30 mins of a phone call they didn’t care so bye! I don’t need you, you need us American Express! Happy to take my business elsewhere as a small business owner.

After 32 years it is time to move on. More fraud on this card on a daily basis than I can keep up with. Hours on the phone with customer service. Amex was supposed to be known for being the best at handling fraud, now they are the worst. No exaggeration, the worst. I have an Apple Card, Capital One and Discover, all are about a million times better in every way possible. Bye Amex.

Read the other reviews… stay away. Customer for 15 years with great history and great experiences until recently. Have to move on. Someone should start a credit card company like Amex from 10-15 years ago, you would kill it.

I have been an AMEX Business Platinum card holder since 2006. I can't believe how poor and unhelpful their fraud claim department is. I had $1600 dollars in fraudulent charges made to my apple.com account. A month later still no resolution only run around. I am going to be canceling my card. The Centurion lounges are overcrowded and the $1000 fee for myself and an employee aren't worth it anymore. The money is FDIC insured but I guess that doesn't matter.

I was shopping around for a home insurance. A gentleman who contacted me named a very reputable brokerage and gave me a very attractive quote. I agreed to this particular quote. He emailed me docs to sign and asked for a credit card number. Everything looked fine. As soon as I gave him the cc card info, I received the email from my AMEX that the amount that went through was twice the amount he quoted. I called him right the way and asked what is going on. He said he is cancelling it right now. What was there to cancel if I didn't even sign anything?

I was originally impressed with American Express and their customer service. When they get things right automatically, they are wonderful. But they are a huge bureaucracy full of red tape, and when they get things wrong, there is no power in heaven or earth capable of changing it. Regardless of your documentation, if they don’t follow through on their offers or promises, you won’t get them. And you can forget about the usual protections against shoddy or disreputable merchants - American Express is more concerned about businesses accepting their card (rarer than you might expect), than they are about you. And that’s what this is all about, really - even if you’re an American Express Platinum customer, they don’t care about you at all. They’ll say whatever to get you in the door and then treat you like garbage because they know you’re stuck with them and their ridiculously high annual fees.

Beware of American Express, as their customer service makes promises and promises documentation, and then lies about it when the pavement hits the road! When the hurricanes came through my area, I had to cancel a travel appointment. I called American Express and explained to them my situation. They called the vendor while I waited on the line, and confirmed to me that the vendor would not charge me, and told me they have it documented in case I was charged. Well guess what, I was charged $206.85 by the vendor and I called American Express and told them about my problem. They got the information from me and told me they would handle it. They credited me the next day and charged me back the next day saying their investigation showed it was due. I have absolutely zero faith in Amex customer service as they outright LIED to me. SHAME ON YOU AMEX!!!!

American Express stole $30,000.00 from my checking account through RETAIL ACH. American Express investigated my missing money, admitted they stole it. and refuse to return it. American Express=THIEVES!

I am extremely disappointed with the customer service I received from American Express. A fraudulent charge was made on my card through a scam, yet when I contacted them to report it, I was told they wouldn’t remove the charge because the company had my credit card information. This is an outrageous stance on fraud protection, especially from a company that markets itself as customer-focused. I expected more vigilance and support in addressing unauthorized transactions. This experience has left me questioning my trust in American Express for future transactions, therefore I cancelled my card after many years of being with them.

I got my card several days after the approval. I reached them about the bolus points I was supposed to receive. They told me I couldn't get the bonus points due to that the eligible spending didn't meet in three months. The first day of the three months they started to count was from the approval day not the day I received the card. They also didn't count my spending on the last day of the three months period because it was finalized the next day. There was no mention about how they started counting the three months period.

Amex worst card. Worst card ever. They do not care about customers in any way. They charge crazy rates and just taking till you can't use card and then they take credit away and hammer you with interest rates.

I have been a customer for more than 16 years. Once Amex was an awesome credit card with Exceptional customer service. Never, not once was I ever disappointed when calling them for service. Their reps were always top-notch. Not anymore. I can attest to that. Recently for the past 1.5 years I've had issues with Amex. Once they cost me many thousands of dollars in payment errors I had to finally resolve. Almost lost thousands of dollars because of their error. It seems that I have recently complained with BBB and Amex won't even contact me to resolve my issues. That tells me they don't care about my business. Therefore I will be canceling my upgrades and not use the card anymore. As my protest for their substandard service.

We have an American Express Platinum card. We tried to make a payment, but due to an error with Bank of America, the payment was returned. We called American Express and a customer service representative told him to resubmit the payment and that no charges or fees will be deducted. The information provided by the customer service representative was incorrect, as American Express retries declined payments up to 3 times. This led to a lot of wasted time, and 2 charges for returned payments of $29/each.

Was an account holder for 5 years. Missed 1 payment by due date, paid off card entirely 2 days later and they refused to waive the late payment charge. I pay for the card yearly, the make money from every swipe and they still refused. I cancelled my account. Terrible business model, they get revenue from us, the cardholders, and they treat us like garbage. Don’t bite the hand that feeds you is apparently a statement unknown to them. They are by far the worst company I’ve ever had to deal with, and I work for a utility company. Customer service has an attitude as well.

I have an American Express Platinum card, and this card is discriminatory towards airline employees who want to use the American Centurion lounges. This is because of a policy that states non-revenue personnel cannot use the facilities since they don't have a confirmed passenger seat assignment. Everybody knows that airline employees travel standby and we get on at the last minute when they count the available seats 15 minutes before the departure time, then give us a seat assignment and let us on board. So, any person who's on standby at the airport can't get into the American Centurion lounges no matter what.

I just had a chat with customer service, I am disappointed they will not honor me a 1 time late fee adjustment. I had Surgery & missed my payment by 1 day..The rep said there is nothing they can do? Bummer.

I am a new member to the American Express Platinum, And I thought it was a good card to use. However, when trying to enter the American Express lounge at the airport, And present them with the card, They would not let me in due to their policies. Waste of money if you ask me, And will be letting everybody know to stay away from this card. Not worth the money that you pay if can’t use the perks.

I have been a Delta Platinum American Express cardholder for 15+ years. I recently renewed my card in August. When you renew you are given a companion pass. I still have not received it. I was planning on using it for travel in October. I have made several calls to American Express. Now they are saying it’s a technical issue. Really? For almost 2 months? They have no answers on when it will be resolved. Customer service said they haven’t heard from upper management about what to offer customers. Wow! That speaks volumes about where customer satisfaction is with American Express. I ended up buying both tickets because they will not offer any timeline of when I will get my companion pass. How does American Express get to take my renewal fee and not do their part? Frustrated, feeling scammed, and would not recommend American Express.

The card costs $650 per year to use. They try to lure you in by putting options in place for pay later, and setting up your pay later limit to be a certain amount that seems reasonable. In reality, if you carry a balance they treat you like you have a 500 credit score and will arbitrarily decline charges even though you technically have no limit, and aren’t even close to your pay later limit. This card is a well-marketed scam. Avoid at all costs!

I’ve tried to be a longtime member of the American Express family of cards for my business and personal use over the years. The lack of consideration for loyal members and randomly changing credit lines is horrible.. The price you pay to be a member of American Express does not Benefit you anymore. The points aren’t worth it. American Express is gone downhill. It’s a horrible product. - I’ve slowly started to close each and every one of my accounts as well as my family's. Unfortunate because when you treat your customers right, they’re loyalty you - Chase and Capital One will have my business.

American Express Platinum cardholders beware! If you think that American Express will have your back and side with you when there is a clear violation of your rights by an obviously fraudulent merchant, they likely will not! I found this out the hard way and it cost me over $9,000!! They side with even the most unscrupulous merchants (especially ones that they do continual business with) no matter how much proof you may provide to support your protest. I have been a Platinum cardholder in great standing for decades with no material incidents of protest. Even Hyatt Hotels sided with me in writing about being entitled to a refund of a duplicate charge by the very indecent Get a room.com yet Amex paid them for a bogus duplicate charge to my card even after my timely, continual protests and pleadings and proof to withhold payment. Just shameful!!

I will never use my AMEX again for anything, I booked a trip for my family and I in June, the resort was advertised as 5 stars it was terrible, so dirty, unsafe, etc, we booked a new flight home ending our trip early, I contacted AMEX asap, they stated they were handling, they closed my dispute in my favor only to reopen it 2 days later and charge me (50 plus documents provided). After 4 times of reopening the dispute, they NOW tell me to contact the merchant, due to the time that has done by waiting for AMEX to "help their customer" the merchant is unable to do anything. Here are just a few pictures provided, I have about 30 more.

I used to not leave home without it. Now it doesn't matter, most people don't take it outside of the US. They increased their fees and decreased their service. I understand the cost of doing business has increased and I was willing to give it a try, but realized I would be better off with Discover.

Pathetic customer service with no intention to resolve the case. Instead gives lame excuses. Time wasters. Unprofessional attitude. Showing no respect to customer and not even offering survey after. Customer service rep name Mumta “Mchet2”.

Someone made $8000 worth of fraud charges with my platinum Amex card back in 2021. They never covered it. They still say to this day they are “investigating” horrible customer service. I would have to call to get updates they would never reach out to me. I gave them everything they needed even called and did investigation myself doing their job for them and still nothing.

I've been a loyal customer of American Express for about a year, and unfortunately, my experience with them has been incredibly disappointing. Recently, I was late on a payment, and instead of reaching out to me to discuss the situation or provide any notice, they abruptly canceled my card. There was no courtesy call or even an email to inform me about the cancellation beforehand. This lack of communication is completely unprofessional and unacceptable. I expected better customer service from a company as reputed as Amex, but this incident has left me feeling frustrated and disrespected. It’s a shame that they handled this situation so poorly, and I won’t be recommending their services to others.

I have been an American Express cardholder for 24 years, but I am very disappointed with my recent experiences at the Centurion Lounge. Despite my long-term loyalty, I have repeatedly been denied entry due to the lounge being at capacity, while it seems that individuals without the appropriate card are allowed access. Furthermore, I had a deeply troubling encounter with an employee at the SFO location, whose behavior was extremely rude and unprofessional. The employee, who I felt was acting like a Nazi, was calling guests inappropriate names. This kind of conduct is completely unacceptable and goes against the premium service standards I expect from American Express. Due to these issues and the lack of satisfactory customer service, I have decided to terminate my relationship with American Express after 24 years.

Pathetic excuse for customer service. Been a card member for 40yrs and tried to get a duplicate payment resolved. Called 11 times and spoke to almost 20 agents (most offshore). They are incompetent, lack empathy nor understand American culture. Agents only read off of pre written scripts and have no critical thinking skills. I will be cancelling my membership as soon as possible.

After being a loyal customer for many years and paying a hefty annual fee, I had a terrible experience. When I finally needed their help, they refused to waive a $10 fee and abruptly canceled my card without any notice, never sending a replacement. Despite reaching out via mail and phone, it was clear they didn't value my business, so I decided to take it elsewhere. They are not what they claim to be.

As a Gold AMEX customer, I applied for the American Express Platinum card, and it was approved quickly. However, two months have passed, and I still haven’t received the card. The most frustrating part is that I’m being charged the monthly fees without being able to enjoy the benefits that I’m supposedly paying for. It is unacceptable that a card promoted as an upgrade in status comes with such poor service. Every time I call to inquire about the status of my card, the treatment is deplorable, and I don’t get clear answers. Given this situation, I am in the process of filing a formal complaint, as I find it unacceptable to be charged a fee without having access to either the card or the promised benefits. This experience has been a complete disappointment.

22 year customer 847 FICO, denied credit line with cryptic reason. I spend over 2 million with Amex cards. Taking my business elsewhere after 22 years of using them. You’d expect some level of service at this level of spend but clearly I’m just a number to them. Companies like amex have gotten way too big for their own good.

Terrible experience. Customer service was terrible. I will never use them again. Go with a better brand that will help you if you need help. These guys approved me and snail mailed me a card. Not letting men use the card they approved. What a joke.

Absolutely a waste of time, money and energy. They do not want to honor the sign up/spending bonus miles with delta. Contact customer service and get passed around to be told they'll do an "internal investigation." Terms state spend $5k in the first 3 months but I guess if you spend $20k+ then you're ineligible for whatever sign up scheme they pitched to you. Do yourself a favor and bypass this "premium" card....

I've been an Amex Cardholder since 2018. I've had the Platinum card for three years. Recently I was traveling for business and tried to check into the JFK Centurion Lounge to work before my flight. The attendant was very rude. Muttered, did not look at me, and seemed very happy to tell me that I couldn't enter because I was more than 3 hours before my departure time. The lounge was not busy and I pay $700 a year in fees... I can't sit in the lounge and work on my laptop? The customer service and policy were very poor and I am considering Chase.

I’ve been a loyal American Express Platinum cardholder for 18 years, relying on the card for significant business transactions and automatic payments with over 30 vendors. However, a recent issue with a $51,000 wire transfer has left my business in distress, and American Express’s customer service has been unable to resolve it despite numerous attempts.

Worst customer service for the Platinum card especially when then they charge you $750 a year. Not worth it at all. Don’t sign up for this card. It is a ripoff. I tried 5 times to get my son a platinum card and 5 times they made a mistake and could have cared less. They just want their $750 a year annual fee. Ripoff!!!!

During the Crowdstrike internet meltdown I was stranded overnight at the Minneapolis airport. I have an Amex Platinum Card. Amex and Delta could have done the extraordinary and kept their clubs open overnight to accommodate the countless stranded customers. Instead they cavalierly closed their clubs on schedule. Great organizations shine during adversity. Amex and Delta not only failed the test of greatness but also the simpler test of human decency. Shame on them both

After about 30 years as a cardholder about to close my account with AMEX, absolutely a let down company, my other accounts such as Costco and ebay already stopped accepting AMEX cards, can't use my AMEX card overseas, most of vendors in The US don't accept AMEX cards anymore, it's horrible anytime I try to reset my password or user ID, I have to wait over half hour online then so desperately have to call the customer service and after about an hour wasting my time I'm able to reset my password, it has become a routine process to expect to waste over an hour of my time to just log into my account, time to end this nonsense, bye bye to AMEX.

When American Express was introduced to me nobody mentioned to me the high annual fee. After received their first bill, I canceled the card as my expense simply could not justify the annual cost over $600. After several calls, I was finally able to reach the customer service supervisor who agreed to cancel the billing. But I still receive their bill, though indeed my bank paid portion of the annual fee, and there was zero dollar expense with the card. I am wondering if this is how the hungry American Express makes money from?

American Express just lost a 17 year customer and Platinum card holder. My wife and I were defrauded by an Architect whom we had shared our card info with. He then shared our card with a third-party who charged me $10,000 and whom I had never spoken with directly to authorize anything. My architect had me sign a price sheet, which was only one component of the total estimate we were waiting on, and Amex is using that incomplete sheet with invalid dates in Feb. to support a charge in March that doesn't even reflect the amount, company or any terms or conditions I was beholden to that I later learned about.

The membership fee is 350 and the annual is 100. All for terrible customer service. They both hit and put me barely over my limit, I paid 1000 the next day but my credit score dropped 26 points. Ridiculous. Don’t waste your time. You will be disappointed trying to solve anything with customer care.

What a scam, American Express!! I was excited to pay $650/y member fee to get the platinum card. They have been sending me a hundreds of invitation. The app is very confusion. I set up the auto pay but did not get deducted. I called Customer service to explain the situation and got 29$ late fee refunded. However, when I check my bill, I had Multiple interest fees close to $1000 in two months just because my first $2k payment was 3 days late. It was due to Jun 3rd and I paid in full in Jun 7th. They started to calculate the fees with 25.24% from April for the greater amount 10 times of 2K what I owed them. I lived In the U.S. for 11 years and have 10+ different credit cards. I never had any problem like this. It is the first time I had such a surprise. Bye -Amex.

I used Amex card last 8 years. Don’t had problems. The American Express shifted their customers services in India. They are providing very bad service. They should be in FBI or security agency. Why American Express hire very intelligent people. I think you guys want to save money to shifted the customer service in India. But losing your loyal customers.

Rude, incompetent, level 1. Thanks for wasting my time and trying to ruin my credit score. My credit score is 745, and if I see that it went down, I will sue them. I regret I ever bothered with this company.

I am so disappointed with the way American Express Travel treat their clients. I am a Platinum member and I booked a Trip on Saturday. After I booked the trip, I received an email saying that I needed to call them because there was an issue on the passenger’s last name which is so long. Since that I have been calling and chatting to them to try to solve the issue with our last names. On Monday, I spoke with an agent through the chat and she gave the flight confirmation number. I put the number on United Airlines app, I chose the seats for all passengers, but now I cannot see it anymore. I called them two times without success and then I chatted with agent Ryan who tried to help me but unfortunately he couldn’t. He told me so from what he could tell it was a limitation there at American Express that they cannot issue tickets with the number of letters in all of the names combined as it appears on our passports.

I have been a long time member with AMEX. I have two separate cards with AMEX. Back a few months ago I had a high balance on my AMEX blue card. I made a payment of $9,000 to bring the card down, the balance was $14,000. I used all my sources to pay this down with the plan to use that for a few bill that I had coming up. I felt putting that money on the card and then using the card to make these purchases would give me a security and help my credit. Once AMEX received the payment, they immediately reduced my credit limit without notice. Instead of a $9,000 credit availability it only had four hundred available. I have never been late on a payment.

Dealing with American Express has never been easy, but my most recent interaction compels me to write this. I have been an AmEx card holder since 1981 and recently upgraded from the gold card to the platinum card. I was the victim of an online travel site scam for which I was charged exorbitant, undisclosed fees. I contacted AmEx customer care to file a complaint. I provided the requested documentation, and the charge was taken off of my bill. The matter was marked "closed". A couple of weeks later, however, I got an email from AmEx saying that the "merchant" verified the legitimacy of the charge, so it was put back on my bill. I contacted AmEx for an explanation.

After 26 years with an Amex card and never a complaint, they still believe the merchant before the customer (and that's because they have so few merchants, they're afraid to lose any). Even fraudulent charges are extremely difficult to remove. I cancelled my cards and I'm going with the good old boys MC & Visa.

If you are an active military personnel like me, please be cautious when dealing with American Express. As a military personnel eligible for the Service members Civil Relief Act (SCRA), I had the worst experience with American Express. Despite submitting my DD214 and all the required military documents, my application was repeatedly denied. Over the past year, I've communicated with their customer service nearly 20 times, but they consistently refused to help. Each interaction was frustratingly repetitive, with the same responses and no progress. They promised to review my case, only to send templated emails without explaining why I was ineligible.

This company lacks ethics and has extremely poor customer service. I was a Platinum card holder, a Blue card holder, and a Hilton Honors card holder (All Amex!). I had been with them for 38 years without EVER being late on a payment. On business trips I can easily rack up 10K on a single trip. I paid $800 a year for that Platinum card for the assurance that I could reach a customer service rep immediately from anywhere in the world. That white glove service no longer exists. You get to talk to a chatbot for 20 minutes then someone in India who can’t help you nor can you understand them with their extremely thick accents.

Terrible service time after time. For example, the last time I called to make a simple hotel reservation, I was given wrong information twice, cut off after 35 minutes, and it took 20 minutes to0 complete the reservation the second time I called. If your time is of any value whatsoever, this is not worthwhile.

We have been with Amex over 20 years and has NEVER missed a payment or been late. We have Personal & Business Credit Cards, Lines of Credit, and also Savings Accounts. Recently they decided out of the blue to decrease our credit limit on 2 Cards, the Line of Credit and the Gold & Platinum Cards with no pre set limits aren't available to use at all. I think this is ridiculous. We run a Trucking company and have other cards with other banks and we are not having this problem. I would not recommend using Amex if you have a business to run. We will be closing our accounts.

The company is really scamming customer out of money. I exited the financial relief program which my card was on automatic payment. The month afterwards they removed automatic billing. I logged into my account trying to figure out why the payment has been withdrawn. I noticed they hit me with $39 late fee for one day when I had automatic billing before. I called to talk to the customer service to get this resolved. It was nothing they can do. They are probably scamming hundreds or thousands of customer this way for profit.

DO NOT GET THIS CREDIT CARD. American Express is the most uneconomical and strict card I've ever used. They make it extremely difficult to use the rewards. I have $800 worth of miles on my card, and I'm going to cancel the card because I can't transfer the miles to my account like with every other miles card I have. THIS CARD IS A SCAM! The United Airlines card is so friendly and easy to use, and they're economical. I feel so taken advantage of and misled.

I will stop using my American Express Platinum Card. I never make late payments, only once. I made the payment on the second day right after waking up. I called customer service to waive the late fee; one rep, a tier 2, and a supervisor said they could not help me waive the late fee and could not tell me why the request was denied. I'm okay with paying the late fee, but I'm not okay with not knowing why the courtesy doesn't apply to me. Corporations made the decision to choose margins over customers' experiences; customers need to make decisions, too.

I have to update my review from 2 star to 4. The last two times I have called for cust service it has been much better. Still not like it used to be but significantly better.

If I could leave zero stars I would. I am a disabled veteran, have been with American Express since 2011, and have never had a late payment. In that time the service has never been great but it had never been horrible either. It was mostly just fair. If I had to reach out it was always for something simple, but there were not a lot of benefits to having it. Lots of places don't take them because they charge a higher percentage to be an allowed credit card used in retail and other business. I have honestly considered canceling them several times over the years but that can negatively impact your credit score so, despite having paid it off numerous times and then using it only enough to keep it active and with a low balance, I still have it. However, today changed all of that. As I have said I had a low balance on it and make 2x more than the required payment. I needed to use it today to pay for an emergency plumbing situation for my family.

Since transferring their customer service to India Amex does not use a customer service model with any relationship data. Therefore if you have been a client for 25 years spending half a million a year, the customer service reps won't give a damn to accommodate any requests or issues as they are simply reading off a text and responding with basic robotic answers. There is no customer service left on Amex. It might as well be automated. Get any other card. Not worth the annual fee for this.

American Express no longer mails their statements out in a timely manner so payments can be mailed back in time to avoid late fees....SCAM! And I've been a customer for 27 years! Find another card!! IMO.

****CLOSED ACCOUNT**** DUE TO HIDDEN YEARLY FEES. I honestly never knew because of course we normally carry a balance. I only figured it out due to paying it off and did not charge any longer. I received a bill and knew I had not purchased anything in this card, only to finally find out about the hidden fee. So when I called to find out who charged on my account they tell me this. Well of course I’m not going to pay it or keep the card open so I close to avoid the charge but they still charge me even after closing the account and will not remove the charge now, even though it’s closed. Now how about that for customer appreciation and service. I’ve had to sit on the phone several times for longer than I should to handle and deal with the issue and the charge is still there. This is how they repay you choosing them to do business with the last 7 years. Never again American Express!

I had a 40 year run with Amex, now platinum, business blue and optima. I had a big family 70th birthday planned for me where I was going to incur $50K of charges and I wanted to put it on a card so I could pay over time since I am short of cash. So I called them in advance to let them know it was coming. They said I was good to go with $100K credit line. I checked in Saturday and the hotel tested the card to make sure its good. On Wednesday, without a call or any warning, my charges were rejected. I called Amex. They said my exposure increased and unless I paid $12,750 within 48 hours, my credit line would be reduced from $100K to $50K and they may reject future charges. The odd thing is that only $5k actually was charged against my account. So they want me to pay $12,750 against $5K?

When I try to cancel my card, They are giving me hard time by not refunding back prorated fees. I regret the day the applied for AMEX. I would not recommend anyone to apply for it. There are other cards offering same benefits with half the price. Also when I demanded to talk to supervisor I was put on hold for 30 min and told to stay on the line and can't get a call back. Their tones have changed and are now acting very unprofessional.

I had 3 accounts with this company. I paid in full my 2 business accounts and closed them. I thought I would keep my personal account open. What a big mistake. They told me my personal account and business accounts were all linked together that's why payment was 30 days late. My personal American Express account was on auto pay with my personal bank account. So they removed my auto pay without my knowledge and marked my credit 30 day late. This doesn't happen at Capitol One.

I understand that American Express is a business however they are engaging in deceptive trade practices. I encountered precisely what the other gentleman stated: that they are holding the account, hostage, even though it has a solid repayment history now, making it mandatory to pay for every transaction to keep usage. This was not the case before, and their defense is laughable. They pulled a bait-and-switch even on their high-priced users. I am looking forward to ending my relationship with Amex. The bank is acting with a putative daddy-like parentifying attitude that has been unduly manipulative.

I took a 5 minute taxi ride in Mexico and a bill for $1,700 showed up in my account. AE told me that I had to take it up with the taxi company who does not even have an Internet address. No one that I talked to spoke English as their first language. They said “we believe you but this is your problem to solve with the taxi driver“.

I have been a customer with American Express for 20 + years. I have an AMEX gold charge card and a platinum business charge card. For 20 years, I have consistently paid annual fees over 1000 for both cards, plus interests on my purchases, and statement balances. I added a business employee card last year. Last year alone, I charged and paid over 30,000 to the company (inclusive of fees and my spending obligations). I have maintained for 20 years a positive payment history with this company and maintained consistent on time payments without a preset limit.

They are terribly unresponsive and difficult to reach. No email. No complaint form. Agents' English is difficult, if not impossible to understand. "Deny! Deny! Deny!" should be the biggest point of their online profile. They offered no help in arranging travel that was disrupted by war in Gaza. I had a minimum of 5 different managers working on the issue with no resolution. I am overwhelmed with frustration. Going to mediation then probably small claims court.

AMEX does not care about its customers. The chat line is impersonal as no representative names are provided, and they do not escalate when asked to. I believe representatives should be instructed to defer to supervisors upon customer requests. AMEX should also implement supportive practices that look out for loyal customers who have a history of spending often and paying on time. I spend thousands with AMEX monthly on my Business Gold Card and have an excellent credit history. I have a minimum payment of $60 that is three days late, and a stop payment was placed on my account. I could have been in the hospital or simply forgot. But a stop payment? I value my credit and depend on AMEX for many financial transactions.

After 33 years with the corp platinum card, I am set to retire and do not need the card any longer, especially since the annual fee is $695.00 and the interest rate was raised to almost 30%. I opened a personal 'Everyday' card, transferred my over 300,000 points to this card in March 2023. I cancelled the platinum card on April 17th, 2023 after paying off the balance. I was on a 'chat' and was assured that the card was cancelled at that time. Four months later, they allowed a charge against the card and again the following month (August and September for over $1,000.00) I was unaware of the charges since I had no access to the account until they notified me that my August payment was late. The vendors I had used had been notified that the card was no longer valid and not sure why the charges were allowed.

We arrived at the Hard Rock Hotel in Cancun and had booked a two bedroom suite with a lagoon view. Instead we got a musty room staring at a wall. We paid Amex 8,000 dollars and have filed month after month a case for a refund. I thought being a platinum card holder we would have an easy time to get a refund of this fraud that we encountered. To our surprise Amex is a fraud. Making us talk to so many people from different departments such as travel and card services. Basically telling us we’re screwed out paying for something we didn’t get. I would never suggest ever getting an Amex Platinum card or any card from Amex. It’s sad that they do fraudulent transactions.

Worst customer service I ever see in US, they don't give you what they offer, and said you are not eligible without any proof and reason, avoid this company, the customer is really bad. Even I'm not sure about their privacy.

We use to have good experience before Covid. But our latest experience have been terrible. No assist agent, no direct line to reach anyone and no customer service. Need to use other travel service. Cannot event imaging if you need help during your travel. American Express truly need to looking into you current travel service system. Unfortunate experiences lately.

We prepaid for a hotel in Rome as Amex said it was a better rate. The hotel air conditioning was not working properly. The owner passed away and the manager would not help us or credit us. But, we did not worry but we knew American Express would help. They did not. For 3 month American Express has done nothing even though they have the ability to do so. They have become a very poor provider.

There was a customer rep called Juane. She was Filipino & was very unempathetic. Put me on hold for 18 min when I asked to speak to a manager or supervisor. I already can tell by her attitude she didn’t want to escalate the call & somehow after making on time payments for 3 years I asked one late fee to be waived due to a circumstance and she denied it. Worst customer service! Don’t go with this cc.

When signing up for your American Express platinum card you will see your “perks” for owning this card. One of them being priority boarding. Well, that’s a lie. Apparently they can change the policy/rules after you sign up? I get denied priority boarding every time. This card is useless. If you want access to the Delta lounge it’s now 50$ per person instead of it being free to card members. What a joke. Off to a different travel card I go!

We've been on the phone for over 5hrs today & a total of over 20hrs in this last month over 5 payments that we did not authorize that you all would not assist us with. The only option you gave us was to stop payment from our sole bank account connected to the card. This lead to a fee, no allowed transactions from the bank as a requirement, us having to add another bank as a payment method & various payments since, not being available until days later when, prior, it was automatic. You all have verified funds but still refuse to clear availability & then state "you are not allowed to record us" when that's our way of proof of the conversation. This has been the worst experience of customer service possible!

I actually sought out this website so I could write a review about Amex. I've been a cardholder since 1997. I called to upgrade my card from a Delta Platinum to a Delta Reserve. The customer service agent was rude and unknowledgeable about the Reserve card. I really like Delta Airlines - if it weren't for them, I would never be getting an Amex. Several years ago, I noticed the customer service for my regular Platinum card was getting worse and worse. Customer service based in foreign countries who didn't understand basic questions about Amex. Amex clearly doesn't care about its customers anymore. It's a pity.

American Express cardholder since 1988. For more than 30 years I have NEVER BEEN LATE ON ANY PAYMENT TO ANYONE - EVER, including American Express. More recently I became a holder of the American Express Business Gold card, to assist with operational affairs associated with my trucking business. Without warning one Saturday afternoon, total chaos. My truck drivers are stranded on highways with American Express business credit cards that were abruptly cancelled because American Express said that the authorize card users' (employees/truck drivers) authorized charges exceeded my own charges (the owner of the business) and even though I had an EXCELLENT PAYMENT AND CREDIT HISTORY, credit was immediately revoked.

It has been months and hours of time trying to find a "lost" airline credit for over 10k. They recognize the credit is supposed to be there but "can't find it" Per their recommendation, they opened up a Global Complaint but have yet to review the case. It is hard to put into words how excruciating it has been to work with them. Every time you call, you get a different agent, who is seemingly helpful, yet it goes nowhere. They will not provide numbers or contacts to escalate concerns. In general, the wait times are shocking to make any type of travel plans. This is not a platinum service. Do not pay the money. After 25 years, I will be taking my services to Chase Sapphire

Awful and vicious and intentionally discriminated against its customers. History they operate under influence of nasty service. Never trust them. Not trustworthy. I had terrible experience. Never do business with.

I had a very straightforward claim for items stolen from my car, all purchased on my Amex Platinum card. We spend about $3mm a year on the card and Amex is always there to ensure they are getting their merchant fees and on-time payments but a ghost when it was time for them to pay my claim. Because Amex insurance is "secondary" any other coverage one has I was forced by Amex to make a claim on my homeowners policy -driving my premium up. My homeowners policy, as the "primary" paid 51% of the claim amount under Amex rules (which you only find out about after filing the claim- and nowhere in their advertising does Amex disclose this major fact.

I am a professional and use American Express Sky Miles Delta, I had a poor experience speaking to an individual. I think the call was routed to the Philippines, worst experience, I was traveling and missed my flight and the deadline to pay the bill by 1 day because I was in the air traveling, the customer care individual was very rude not understanding the issue, very disappointing will let my colleagues in the medical field also know about the poor service, not to use American Express credit card again. They have lost my loyalty to want this to be posted on Google, visa service is much better and understanding, I find American express agents customer service very rude, uncompassionate, unhelpful.

I would not trust AMEX to cover rental car damage outside of the US or Canada. I rented a car in Scotland and had a rock thrown up by a passing vehicle and crack the windshield. When I returned the car Hertz charged me approximately $950 USD to repair the windshield. They put the charge on my AMEX card. They took photos and gave me all the required paperwork to file with AMEX. Once I got back home I filed all the required paperwork online. In the intervening 2 months, AMEX has been jerking me around and refusing to refund my $950. They keep telling me I have to submit all information. I have called them numerous times with no avail, yet they keep asking for a final repair invoice from a repair facility from Hertz. After calling Hertz in the UK, they have responded they do not issue such an invoice. They also know that my personal car insurance does not cover rental cars outside the US or Canada.

American Express want businesses to take their cards but Amex is never on businesses' side. You can have a customer walk into a restaurant, eat and leave a tip then go home and dispute the charge and American express would let them win the dispute. I tell businesses have a sign that you do not take American express and BAN them. If you don't consider every American Express dispute a loss.

Very arrogant and slow employees .. Horrible Choice!! Horrible Service!!! They think they are the customers and we should do their JOB .. resolving issues. All they do is to repeat that we cannot help!! Long waiting time .. Very Very Rude customer service and very very slow people!!

I was on vacation and lost my card. I was a customer for 25 years and a good one. I called to report the card lost while on a trip and requested a replacement. They said they ran out of 4-digit card numbers (they change the last 4 digits of the card for replacements) Dah!!! There are more number on the card number to change??? So their resolution was to reapply for a new card altogether!!!! Start all over applying for a new card was the solution while on vacation. I have been a customer forever, don’t they have that info. It would take 5 days they said to approve the application. They used to overnight lost cards. No appreciation for loyal customers. Thank goodness I had other cards on me for this trip. Not surprised about all the bad reviews. I cancelled my card on the spot and they could care less. They do not care about their customers!

I have been an American Express holder since 1977 but here is the amazing thing that even though they tell me that I have an impeccable record they treat me like a criminal with poor record. I use them for the float but I will pay them off soon and goodbye American Express. I am not surprised that on Credit Karma they are rated 1.3 and here they are 3.7. What a poor excuse of a company. Shame on them.

Abort, abort, abort. Do not get this card!! Please listen. They are horrendous these days. Not sure when this company made the transition to hire angry inept people. Also never understood what it meant when a company goes ‘woke.’ Well, I do now. They will not support or help cardholders in any way. Example, I paid $3,000 mid-month to keep my balance down to $8,000. This was weeks before the month due date of the full balance. The card has an unlimited month expense allowance so I was nowhere near the max.

The excuse from Customer Service, though challenging to understand her, is that once you have a late fee, you are automatically charged interest for the next 2 billing cycles in addition to the late fee. I pay sometimes twice per month so this was really unusual but they do not care that 1 time I was 2 days late. I incurred a late fee of $29 and then a $7.76 in interest the next month and then now another $15 this month as I had a high spend as on a trip to check out a college with my son. I only wish I had used my Bank of America Visa (they have treated me right for years). This is my first go with AMEX and made it only 8 months, my other 2 cards I have been with for years and even decades.

I had to cancel my trip due to the unfortunate passing of my father the night before. It was a difficult time for my family, and I needed to be there to provide support and attend my dad's funeral. However, when I reached out to Amex after spending several hours trying to connect with them, I was disappointed to learn that their insurance would not cover my cancellation. According to their policy, A FATHER IS NOT CONSIDERED A FAMILY or close relative unless they reside at the same address as you. This added to my pain as I dealt with the loss of my hero and encountered what I can only describe as controversial policies from Amex Platinum Insurance, to put it politely.

If there is Zero rating option I would have choose that for rating them. Worst Customer service. Worst credit card security setup. I have other credit card card as well. And I can say, American Express has very poor security arrangement against scammers and they will not protect and help their customer even if you notify them right away. They have poor customer service, they only know their part, American Express was my first credit card and I can not believe they have that much worst arrangement for their customer!!!.

I have been an American Express Card Holder since 1998. I have held multiple products, savings accounts, loans, EveryDay card, Delta card, Macy's card, and the Platinum card. I have counted on their excellent customer service skills and their massive credit limit increases for over 20 years. I have never made a late payment and even during COVID I made payments above my minimums due. Today I decided to end my relationship with American Express knowing that this will damage my credit score even more. I cancelled all my cards and accounts withdrawing all my savings.

What a nightmare! You may think it’s a good deal to get 5x the points but god forbid if you need to cancel. You could be on the phone for hours and still not get what you need. Even the points guy says their Customer service is poor. Best to stick to the airlines direct as well as hotels and for sure NEVER book a package trip. I got half the rate booking directly with the hotel. We are “stuck” with this card for the year but definitely not renewing. Capital One Venture X is much better.

I am AMEX Platinum member and have held this card for over a year. In light of our current pandemic, prices of nearly everything have skyrocketed. I have had to make some financial choices which have placed me in some debt however all of my current financial obligations have been paid on time. American Express conducts periodic checks of card member's credit reports and upon a review of mine, they have taken away my no preset limit and given me a $7000 credit line of which I have used $4000. Again this card has never been paid late and is in good standing, as well as any other credit obligation I have. Adding a credit limit has harmed my credit score, affecting credit utilization. Shame on you American Express, this is bad business. Nothing else in my credit file shouldn't have anything to do with my business with the company, especially when there's nothing negative in the credit file.

I am AMEX Platinium member, booked my mother-in-law ticket using AMEX Platinium card through AmEX travel. Then I requested for the schedule change and also paid extra $ for the difference. Then I go to Airline site and I could see dates are changed. Today morning when I tried to pull out same information, and guess what no data found. In hour I got email that my travel is cancelled.

We finally decided in July 2022 to travel after a few years of Covid lockdown using our Platinum card (That charged ~$700 a year) to give you the best service everyone deserves. After browsing around the AMEX travel site, we decided to book a Royalton Hotel in Cancun. The AMEX travel site pictures were so nice, with beautiful beaches. We booked and started our countdown to enjoy our vacation, to our surprise and not knowing what we had done. Once we got there, the whole resort stunk, and when asked they said it had rained last night.

Much to my shock and amazement Amex compliance regulator Derek ** just contacted me (after almost 3 months) and said they were issuing the $720 airline credit that had “disappeared”. He was polite and to the point which I found refreshing hence changing my rating to 4 stars.

We purchased business class airline tickets. Due to an illness I had to cancel. I called American Express Travel on March 8 2023 and March 29 both representatives informed me that there will be a cancellation fee of $200 per ticket. I waited after the Dr's visit on March 31st to cancel hoping that I will be better, but was not the case. Called Amex April 4th. Now the story is totally different: $200 each way for a total $800 penalty for 2 tickets plus tax. I thought American Express travel was reliable and with well trained employees, but NO!!!!! everyone gives you a different story. They are not reliable. BUYER BEWARE!!! Require all the info in writing prior to doing business with them.

We decided to use American Express to book our family trip to Montreal which was a big mistake!!! We tried checking in all 4 passengers the day prior but AirCanada said that one of the travelers in our family being an 11 year child had to be checked in in person. So, the day came and the person at the AirCanada counter says that my 11 year old had no ticket. After speaking several times with AMEX customer support they said that they couldn’t do anything about it because the plane was full which was a lie. My wife quickly purchased a first class ticket to salvage our trip. Completely uncalled for, first and last time that we rely on AMEX to handle our travel plans.

I’ve been a platinum card holder since 2018. I booked flights thru their travel booking. My flights were canceled. This was on Christmas Day 2022. My husband and I sit in Chicago airport 14 hours... Had to purchase one-way flights back home. Being a platinum member is supposed to give you a benefit if you book thru them on cancelled flights. Well it’s March 13, 2023… No resolution. I have sent the paperwork 3 times to AIG claims...still getting emails requesting the same paperwork… I will closing this account soon. Very disappointed in Amex considering the annual fee is very expensive…it’s not worth it!!!

I've had the American Express Platinum Card for 1 month now, and I couldn't be more disappointed. I've been lied to twice at this point, opened 2 tickets for service that never were submitted, and had managers and call center reps place me on hold for more than an hour. They don't follow-up and don't care. Avoid this card at all costs. Just not worth the hassle.

I am disappointed with everything dealing with American Express. I was recently told I needed to utilize my card or it would be closed out. I guess I used it too aggressively because I am being threatened with my account being closed or pay $1110.00 for the first payment. I only have about a $4000.00 balance. I have a card that is $23000 and a card that's $14000. I pay my bills and other than that I don't see why it was necessary to run my credit (hard/soft) hit over a funky $4000.00.

Delta and American Express act like they don't know each other if there's a problem....You don't get into the lounge with this card without an exorbitant fee. $39.00 a person....for coffee and eggs that's a lot. What was once a perk to the frequent traveler not became a money making machine. The fee is huge because you buying the mileage. You're not getting anything. If you have a problem you'll be shuffled around from dept to dept just like every other credit card only this one weighs more because it COSTS MORE! NOT IMPRESSED

I was an authorized user on my father's account for 14 months without ever missing a payment. As soon as he passed away they cancelled his account, leaving me with no credit card in order to run the house he left me. Despite my inheritance, they treated me like a stepchild, so I would never consider them in the future,

I submitted all the paperwork to AMEX for price match guarantee for a publicly available rate on a hotel's website. They denied my claim saying I was "signed in" to the website and getting a special rate - When I asked to show me where they were seeing I was signed in (or anything to validate their claim on why they were not matching the price), I just got the same answer over and over (copy paste). Horrible experience and I will be cancelling AMEX platinum. The card is NOT worth $700 a year I promise.

The most unprofessional Credit Card Lender/Company I have worked with, most Miserable Customer Service that on a short notice email about 10 days (or less) ago dropping my credit limit from $20k limit on both my platinum cards to $5k, not to mention the inconvenience as well as incompetence speaking with their customer service on the phone, incapable of changing my due date for my auto pay, I for sure will advise everyone I know not to apply with American Express and tell them the story for their Horrible Customer Service!!! What a big ** Lender.

American Express is now lost touch with its customers. Unfriendly, dishonest and rude. For what was a great card now is sadly out to make money. As I calm down I refrain myself from call names but a few come to mind.

American Express has changed so much as it doesn't care about its customers anymore and pushes them to go the other brands. 22+ years yet they do not care. Learn to take care of you long-time premium customers. I would not get another AMEX card until they solve their issues.

Once again, American Express advertises $200 off a Hotel Stay when using your American Express Platinum Card and staying at one of their Hotel Collections (for a minimum of 2 nights). Please see attached. I did just that. Using my American Express Platinum Card ending in 51003. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states "Platinum Card Members". Nowhere in the ad does it state it must be one or the other. But in the deceptive and corrupt (systematic) way, American Express is now telling me they will not grant the $200 discount. What is going with all the deception?? Why is American Express constantly deceiving consumers?

Their customer service is horrible, first lost the call after almost 15 on the line, nicely the lady called me back but just to put me on hold again for several minutes. On the follow up call they hung up again, the last call the guy had an attitude. The Gold card representatives are way more efficient and less condescending, training is a must in this Dept.

Let me start by saying I am an AMEX platinum card holder and have been since 2007. AMEX used to be great. They fully supported the business traveler, there were no discount partnerships, and you could always count on them to stand behind you. Their service was impeccable. You used to be able to use the points to book great vacation tickets with both airlines and hotels. This is no longer the case. I booked a car and hotel in France this summer and they, without my knowledge, used Expedia to book both reservations. I detest Expedia. I NEVER use them. Their customers service is terrible and you can never get anyone on the phone. I use AMEX to avoid places like Expedia.

Amex Platinum failed to leave out details about my round trip flight to South Africa on Emirates. Absolutely horrible service and lack of acknowledgment of their mistakes. Do not use them. I purposely have the platinum card for travel purposes. Big mistake.

I have been a customer of American Express for over 40 years. NEVER missed a payment. I transferred funds from my B of A account to cover my payment. I had paid in full. $1700. 00. However, due to the holiday, I was a day late to pay. I was charged $29.00 late fee, and despite my pleas, they still charge me. Will look for travel credit cards to use. AmEx. I'M DONE!

Amex has all sorts of great offers available but they will deny them quite often up to 6 months+ later and you will get charged, if they had credited you before. Don't do the Macy's Wine Shop deal, lots of people are getting scammed on that. They say you didn't go through the correct url even though you did....

This is the worst service for what is considered a luxury product. I spent an hour and a half on the phone with a representative to change an existing flight who put me on 6 different holds ranging from 5 - 30 minutes, provided 4 different options for my change in flight, finally chose one, then was told after all that time that I couldn't make that change due to airline policy. Why didn't he check the airline policy first?!?! I'd like to say this is the first difficult experience I have had booking travel through my AMEX platinum benefits, but sadly it its is consistently a time suck and horrible experience. Used to love the service. Now, sadly, no.

AmEx is fine until they screw up your account and you have to call customer service. No one takes ownership of the issue. They are just there for that one call and then they move on to the next call. When you have to call back, you start all over and it never gets resolved. Then you take them to arbitration as their requirement and they simply never respond. Now I wasted $250 and a lot of time following their rules for arbitration and have to sue them anyway. I used to spend 4 to $10,000 every month and now Discover gets that with 0 fees and a lot more cash back. AmEx is the worst company ever for customer service resolution.

95 minutes on the phone to learn that at AMEX when you make a payment for 14,000 you can't edit - since there is no option to edit payment amount - I only owed $1,400 accidentally typed the extra digit and hit send. This created the issue - I looked in the app for a EDIT button - no such thing available. They have never heard of EDIT or CANCEL. "It's too late," she said. I said, "It took me 95 minutes to get you on the phone" and so does not matter. ISSUE is they want the $14,000 in their bank - so it can earn interest for 5 days then- maybe after that, they will return or you will have a credit in your account. WOW! Last time I use that card ever!

I have been a card holder for 20 yrs. I use the card for business and had 450,000 points saved for 2 yrs. I went to use for a vacation and it did not even cover the hotel. I figured it out and I get about .6% in points=cash. All this for $500 a year to have a card that a lot of places don't take. I am switching to Capital One Spark 2% cash back and accepted everywhere and it is $150 yr. Should have done years ago.

Hidden information about fees and how interest accrues. It's daily interest that is not included on the website when you try to pay off the entire amount. Any time you skip paying off the monthly amount in full, you lose a grace period and hidden interest will show up on a bill the following month. Buyer beware. American Express is deceptive and predatory to scam as much money out of consumers as possible!

I always thought that Amex Platinum card lives with its expectation and customer service. But this time, I had very negative customer service in their travel department. I was trying to book air ticket and went online to book it. It was giving error. So i called travel department and my nightmare started. First call at midnight as I was trying to get this ticket booked using travel department. 1. Waste of 45 minutes on call, customer service said try in the morning as Delta is not picking up the phone. 2. Next day, I still see the airfare and unable to book so called Customer service in travel department. After 1 hour with Travel department they said they will call back. After 3-4 hours no call back.

Beware when purchasing an airlines ticket through American Express Travel! We purchased through Amex Travel premium economy United Airlines tickets for LAX - Chicago and Chicago - Heathrow London. We understand there were couple lower fare option with combination of economy class for LAX - Chicago and premium economy for Chicago - Heathrow London or vise versa. Thus when we purchase we were fully mindful to select both flights were the premium economy and paid an extra for that. We got an email from American Express confirming that both flights were on a premium economy class, however on the LAX - Chicago flight it was written premium economy with seats assigned to us were: 56B and 56C. When we checked to United Airlines website, we noticed those seats were of Economy Class instead of Premium Economy.

American Express dropped my credit limit without notice causing my credit score to drop 40 points in the midst of me buying a home. I called to explain my situation and they would not reinstate the credit. I had 25k limit and was using about 50% so when they dropped the limit to half my credit card was at about 99% of its limit. My credit score went from around 700 to mid 600’s. Wow, not only do they not offer but 1 point for most purchases (compared to Chase and Capital 1 which offer up to 4 minimum 2 points) their compassion for long term customers is null. Mind you I have never missed 1 payment, customer for about 30 years.

I’ve been using AMEX credit cards for a long time now. Recently, I applied for a new card and called customer service to confirm whether I’ll be getting 0% APR or not due to having many Amex accounts before, before proceeding with the application. AMEX employee said “YES”, you’ll get 0% APR for 15 mo. That sounded great so I accepted the offer.

I have been a long time customer. I have never had a late payment. Because of the current events and hard times, I was not able to make a payment. I had contacted customer service about this. I was told not to worry about this, as it would be waived once I made the payment which would be a few days late. I made the payment, yet suddenly the waive was declined. I should not have an employee me one thing, for another to tell me the opposite. Very unprofessional. I will not be using AMEX any longer. There is nothing unique about their services.

I had been a customer of theirs for over 8 years, always paid my payment in full each month. When I noticed they charged me $250 annual fee at a really tough time, I cancelled my card...They said I was 1 day late in calling to get that reimbursed and would have to eat the $250 annual fee. Awful how they treat a long time devoted customer...I guess eating the fee is better than sticking it out for the next year to have them screw me again.

I have been using them since 2008 and recently got a Platinum card. The membership fee was high but I figured if I use every day and also plan major purchases like trips and expenses I could justify fee and gain points. The card had no set limit and this was a first and I was excited to use it. All was fine until about 1 week in. The declines were almost daily. I immediately charged about $6,000 to the card for auto repairs, new wheels and tires and paid my exterminator a yearly fee in full and the American Express flagged me. Asked me to pay some of the balance right away.

As an AMEX Platinum Cardholder for 30 years, I've watched the service steadily deteriorate. Long gone are the days when you call and get an English speaking agent that can actually help. Nearly all calls are routed to the Philippines. Those agents do not speak English well and do not seem to have full access to your account information, including itinerary details. After the standard 20 minute struggle of repeating yourself and the frustration of not getting anywhere, you ask to be transferred back to the U.S. - But that will cost you another 20-40mins. And, if you're lucky enough to have enough battery or free time to endure the wait, you might eventually get a U.S. agent.

Nearly 50 years as Am Ex cardholder and decades as Platinum. Overall positive experiences when interacting by phone w/ Platinum staff. But recent experience shows major failure in Platinum service—bait and switch really. Experience was major honeymoon trip where bookings made online via service Platinum encourages be used. Airline cancelled trip last minute and Platinum enforced its policy —one that it doesn’t bother to tell customers—that once you’ve made booking online then Platinum is no longer responsible for fixing problem ie once you use portal you’re encouraged to use you no longer get Platinum service. Platinum knows service level at online portal is Russian roulette. Sure seems like bait and switch to me.

Was looking into possibly getting a platinum but never submitted the application. They sent me a card anyway and it took me 4 different people to talk to get it cancelled. When I did finally get one for my business I asked that my partners get a gold card so we wouldn’t be charged for extra platinums and they still sent out platinum cards, they most likely are getting a commission every time they send one out and are hoping you just keep the card, now tomorrow I’ll probably be on the phone for an hour trying to cancel the card again. Horrible.

Worst card company I’ve ever dealt with. Horrible phone service. Was given different answers by different reps being sent in circles. Poor English. Will nearly DOUBLE your interest with NO warning notification for being 1 day late in payment. Hotel prices on Amex travel are much higher than booking hotel direct. I told them this and they refused to price match. I have a 815 credit score, two Amex cards, never churn through cards, good payer and yet they cancelled both cards at the same time with no notice. They said they will not be reversing the cancellation. Also said I will no longer be approved for future cards. I’ve done nothing to deserve that.

These agents lack training. Not what I was expecting from American Express. Agents constantly making mistakes and constantly dropping my calls. I've lost hours of my life on hold that I will not get back. You're constantly getting transferred from one agent to another. So FRUSTRATING!

I've had Amex since 1986. Over the past year, they have altered my limits twice without informing me and did some really creative and abnormal accounting to milk me out of an unusually large payment without notice. I never miss a payment. But after paying for the card annually and then getting the shaft as a reward for chasing them to make money off of me annually and monthly I am done. I will be paying my card off and moving to a card WITHOUT an anual fee, without the surprises and without the creative accounting tricks. AMEX is going downhill. Seems the more I pay my bills, the more they want to harm my credit. I know my leaving will not hurt them, there are too many new suckers out there that think this card is worth more than it is.

AE Platinum CARD had a special offer 125,000 points to welcome the new card member in mid Dec'21. I clicked the box "Apply Now" to apply the card, which is just right next to the special offer window, the weblink prompted me to the new application process and I got approved within 10 minutes. However they only credited me 100,000 points which they said that I applied the card was with only 100K offer. I don't understand how their system was trigger why the weblink system behind only program me as the basic sign on points.

Several times I have requested Amex to cancel my credit card because of hacking. I did not realize they actually would not delete the account. This happened through Amazon where fraudsters would charge on canceled Amex accounts cards - Amex would allow the charges stating that this is a 'recurring vendor' thus the fraudster is allowed to use your charge. Amex makes a point to allow what they call as recurring vendors to continue to use your charge card even though canceled. This allows hackers that know Amex's policy to continue through companies like Amazon to charge on canceled charge cards! It's a harmful and misleading policy and Amex is not likely to change it. Please check your statements carefully and match all Amex charges against your orders on Amazon!

Do not use AMEX for Business, in the middle of the pandemic they reduced our credit line by $50k via email and a letter without any prior indication (never missed a payment Member since 1979). Once our company made the payments on time to reduce the balance below $100K Amex then reduced the credit line to $70K. With the continued pressure on the ability to buy inventory (Amex was our main source of funding). We also used other Amex credit products. (Working capital) We continued to lose business as our ability to fund inventory was reduced. We were speaking to AMEX regularly about the issue, provided them with all the personal and business records they asked for and still denied the credit increase. We reached a point (we were current on all payments) where we could only pay half of the working capital on time, but would paid the rest of the payment in a few weeks.

American Express is the best credit card providers the world. My card was charged fraudulently at LCBO and I wasn't aware of that, one morning I received a call from Amex helpline and they inquired about my credit card, I said I have it on me. They informed me that because I never been to LCBO before so they assumed it can't be me. They gave me option to check for the whole year and let them know if I did not recognize any other transaction. At other time same credit card was fraudulently charged at 3 hotels at the same night.

You should stay away from American Express Credit cards. They cancelled my card, without contacting me. Blamed me for not getting their mail and making no attempt to contact me by phone or any other method. On top of that, They refuse to pay me all the rewards I accumulated over the years. Unless you owe them money, they will boot you out the door. Take your time and money somewhere else.

I'm a Amex business customer for the past 10 years. I charge each month around 300k and I have never missed a payment, but all of the sudden without any notice they cut my spending limit to 100k, which is now putting my whole business at risk. Be smart. Don't start your business based on Amex, it's harmful for your business and they have no-one there that is interested to help you succeed.

I wouldn't recommend this card or any of your cards to anyone after what happened to me yesterday. My business credit card that I have has just under $14000 credit limit with over p $10,000 available credit left. I went to purchase just over $7800 received a text to confirm it was me and and then received an email saying "Transaction Declined. We were unable to approve the transaction below as your credit limit is under review". I looked at my available credit right before this purchase and it was available!! I pay this credit card off 90% of the time, never a late or missed payment. My credit is good on both credit bureaus with NO missed payments, or derogatory information. I go to my account now and it says I have $373 available credit.. What a complete JOKE this company is. This was a time sensitive purchase I was making to get products shipped and arriving next month.

After 20+ years of using American Express for both business and personal needs, American Express incorrectly reported me as deceased and I had to get the Office of the Comptroller of the Currency involved in order to correct my credit and get the deceased notification removed from my account. Social security notified American Express of the error but they refused to correct the inaccurate report before getting the OCC involved. I will never use AmEx again and would recommend no one else does either. I would have rated them zero stars but that was not an option.

There was a offer for 70k points if I upgraded to Gold Business and spent $10k.. In 3 months. I spent $10k in 1 month and went looking for my points and LO AND BEHOLD they found an out. This after I confirmed NOT ONCE NOT TWICE BUT THREE TIMES that I would be receiving these points. A case was opened up ** and I was PROMISED A CALL BACK FROM "Linda". Linda you lie. I had to chase it down. Then Fernandan took on the case and told be for stupid reasons I did not qualify. Total of 4 hours plus on the phone. Do not trust the company of liars.

American Express service has gone completely downhill! Also, they started declining transactions whenever they feel like it. I’ve made every payment in my three-year history on time or early and more than the minimum. According to my limit, I had $13,631.77 left… Want to buy groceries? Declined!! Over and over. Horrible service, horrible card now too.

Horrible service and experience for the $695 annual fee. Their communication with me has been rotten. I am a new account holder only two months into this. I have made my monthly payments, paying far more than what was due. They restricted my account without any notification to me about their actions, only to leave me stranded at a place of business with a declined card. Phone calls to AE were not fruitful, either with the rep, or a supervisor. I do not feel as if I am being treated fairly, especially not for what I am paying for fees on this card.