American Express Platinum Card Reviews

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

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

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

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

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

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

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

Recently I could not find my card and the lady Ms Elizabeth was so calm and nice to me. She sent me a new card via Fed Ex and I received it the next morning. Then she called me to make sure I received it and to activate it. Her voice was so pleasant (not intimidating) and I really needed that. Next, I had to go away and I must have made 4 reservations and forgot to cancel one. So I spoke with Ms CJ who also remained calm and pleasant throughout my ranting and anxiety. She took her time and made sure I kept the bookings I needed and cancelled the other. She also was a joy to speak with. You guys should know just how special your business staff are in handling "WILD -- OLDER -- TYPE TRIPLE A" - clients. I am going away with confidence and joy. Thank You.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I have had an American Express card (Platinum, Gold) for 20 years and have generally been quite happy with their services, customer support, and rewards program. However, in the past several months American Express has become a totally different company - and for the worse. It is obvious that they have outsourced their customer service because it is now horrible. I NEVER get a person that speaks fluent English and they have implemented bizarre rules that I simply do not understand. I got a call from American Express and I spoke with a foreigner who commenced to tell me that my account was being reviewed for taking cash from my AMEX. I had no idea what he was talking about and tried to explain to him that I had never taken cash from the card and wouldn't know how if I wanted to do so.

Took the tram 20 minutes to grab lunch at the Centurion lounge at DFW (which was closed and just recently reopened) and was told they don't accept incoming flights anymore. I asked with consideration if I could make an exception. Told no. Recently the Platinum card has been over marketed and now they cannot take care of their long standing members. I am considering switching cards as I no longer feel valued.

I had a Platinum Charles Schwabs card which is an annual 550$ fee and also required a broker account with Charles S. My brokerage account had a wrong SSN so Amex closed my account without notice. (Never got an e-mail until I woke up one morning with my CC not working) I called Amex & CS. customer service and they told me to fax and correct my SSN. I used 2 hours on the phone jumping back and forth. After correction (mailing process about 2 weeks and follow up), Amex told me I still couldn't get my AMEX account back up.

I applied for Amex Gold Delta Miles Card, met the signup bonus requirement, bonus was applied in 2 weeks. Then, one day applied bonus was removed from my account, when I contacted customer care, I was informed it was removed because I had already applied for the same card for bonus and cancelled it after receiving bonus which was not true. I raised a complaint saying I had never had this card before, but still the resolution was not in my favor. When I asked for the reason, I didn't receive proper response. Very bad experience and would not recommend Amex cards.

As a Platinum Member, you have been told to receive $15 in Uber credits for U.S. rides each month plus a bonus $20 in December, plus Uber VIP where available. It is not longer true and American Express continues to deceive customers with such advertisement. Last week I took two rides in Winston Salem NC and could not apply the cash credit. Called concierge services to complain and was given excuses and a promise that they will refund the payments. Nothing was done. American Express is no longer a reliable company (Being a member for over 50 yrs). Paying $550.00 for the luxury of getting nothing in return is stupid.

Amex customer here for over 8 years. Never missed a payment. We were waiting on a large sum of money from a customer who "lost" our invoices. Amex said it would be fine and Amex scheduled a payment with my husband over the phone. They selected the wrong bank account. He called as soon as he noticed, but they said they couldn't change it. He informed them he was putting a stop payment on the payment scheduled from the wrong account and promptly paid with his business account (which is the account used to pay Amex 12 out of the last 13 payments!). Of course the wrong payment didn't go through.

For a card that charges $550/year, you would hope for the best customer service experience. I started a call about a credit line that was supposed to be transferred from a card I canceled to another card. Not only that never happened, but I also lost a credit line of over $10,000 along with it. The agent who made the transfer said it would take 7-10 days. By the end of the call, not only did I not get any answers or any resolution to the issue, but the way I was treated (especially by the retention department) made me feel that I was not a valued customer.

We had a terrible experience with a moving company, including them stealing belongings and holding our belongings hostage. I called American Express even before using them to pay the moving company. They stated they would take care of us and that we should go ahead and use our card for payment. We did so and filed the dispute as required. We provided document after document of the fraud and theft of the moving company and American Express just told me that they could do nothing and that the issue would have to be handled directly with the moving company. What is the use of filing a dispute and providing all the proof required if they do nothing but pay regardless? I will never use them again, even though we have been cardholders for 30 years. We will now have to sue to ensure that we are not paying a fraudulent company!

After being a customer for over thirteen American Express decide to cancel my account, despite always paying on time, also I have a credit score of 718. Also have been a customer of American Express travel. This business will now cease. They canceled my card as a payment. Was rejected due to a computer glitch on the Amex site, made the American Express company aware and they were okay with the glitch and even refunded the return payment issue. Talked to their call center which is based in India, their grasp of the English language is poor. I would advise anyone considering an Amex card, that they have no hesitation in pulling the mat from under your feet, this also applies to any current holders of the card. This company I am afraid to say, has a high degree of corporate arrogance, do not use American Express. Also the card is not universally accepted.

I signed up for the 70,000 Delta Platinum American Express card at the end of July 2018. The offer at the time was 70,000 points after you spend $3,000. Called to complain in Oct 2018 still hasn't got points. I was told wait 6-8 weeks then call back. Called again on Dec. 15 again stating I don't see the points in my account. On that day I was told 3 business to correct that I had only received 35,000 points.

All beware of deceptive business practices from AmEx. According to customer service you must match the value of the rewards point balance to a purchase to receive a credit. This makes the rewards useless unless you choose to waste your time finding a match. So long AmEx for me.

I was an extremely happy client of American Express UNTIL I decided to take them up on an email offer they made ME regarding ordering a gold card. The offer which I have in writing and sent over numerous time already to the correspondence unit, clearly states that I would receive 25,000 reward points for spending $1,000 within the first three months of receiving my card. I applied only a few day after receiving my email and held up my end of the bargain, I spent over $1,000 in the first three months and continue to spend, yet, no reward points. They are claiming that the offer I am claiming to have received is not true EVEN AFTER I SENT THEM THE OFFER IN WRITING! I feel extremely disappointed and honestly, robbed!

I would not go with this card at all. Rude rude rude customer service. They went up a 100.00 on platinum for what this type of service you get. They do not update their billing on a timely manner at all and when you call they also cannot give you updated information. Why does anyone want a card that cannot update the information on time?

I have been a customer for over 10 years. For the past two weeks I have had nothing but disappointment with American Express regarding customer service, managers and senior managers. I was promised a follow up phone call from a senior manager named Ruben within two business days and now it’s been over 7 business days and still nothing received. I was at a gas station and my card was then declined. I was stuck at that gas station for over two hours until your senior manager did a manual override and fixed my account. Now I just had to go through this again not even two weeks later. Your supervisors were speaking to me as if I was robots, reading off a teleprompter saying that the gold card is a learning card and your limits change as you spend. So why send out a letter stating that I have no preset limit?

I decided last month to make minimum payment on my American Express Platinum card. What a mistake. I’ve paid my balance off in full every month for the last 7 years so I didn’t know what expect. The interest for one month was over $250. I was ok with paying interest for that one month, but absolutely not!!! They turned around after I made payment in full for the for the previous balance and the current charges and bill me interested over time with both months which they hit me for over $450 in interest. WOW!!! Over $700 in interest for making one minimum payment. I was outraged at what they were trying to do.

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

Do not use. They cut my limit instantly just after I gave them $1000.00. I have never missed a payment. Never been late. I have held large balances and paid them off in time many times. Had a 700 credit score. They cut me before they even got to collect interest on me because it was an interest free card for 15 months and they cut my limit one month before. Makes no sense. They are going to lose a ton of money and I am judgment proof.

Been with Amex for over 20 years now and never had an issue. Love their customer service. This is the only time I felt "cheated" by Amex. The offer with Nordstrom Rack was deceiving. I'm supposed to get 10% back from Amex if I purchase Nordstrom Rack using my Platinum (enrolled first of course), which I did by clicking the link on Amex offer page, through T&Cs. Got an order confirmation from Nordstrom Rack, however the order was processed via HauteLook which is owned by Nordstrom.

Last week there was a problem with my direct deposit. I usually get It every Thursday morning but I didn’t receive it until late Thursday night. The bluebird app was not working that day as well. Now this week I did not get my direct deposit Thursday at all. On Friday my actually pay day I still didn’t get my direct deposit. Here I am Saturday morning still no direct deposit. Where the ** is my hard owned money???

Platinum Customer since 1994. Added a 2nd card for my wife last summer. She has used it to pay for the arrangements of a company holiday party and other events. The card is in good standing and the higher balances she accrues are paid off on time. But the AMEX algorithms flagged my account for Financial Review to see if I'm financially able to pay off the balances that I HAVE been paying off on time since the 2nd card was added. What? He explained the algorithm does this when the extra card charges more than the primary. OK, fair enough but it's paid every month - fix it. Nope.

I had a 24 years excellent relationship with AE. As they advertised I never left my home without it till my recent experience. I purchased 2 Italian products online from a boutique in Italy who advertises free shipping and returns with zero explanations about restocking fees or customs in Italy to be charged to the buyer if you return the goods. Due to incomplete information provided by the seller, the US customs did not release the goods to DHL and in return DHL asked for my social security in order to release the items. Obviously I refused to provide my social security number in writing and online to DHL just because I have bought a dress from Italy. DHL said in this case they will return the goods back to the seller in Italy. I immediately notified the seller and heard nothing back. Basically I never received the shipment.

I am very interested in the Shop Small for big rewards this December promotion and had activated it, now that my card was cancelled and another card was sent in the post this offer is no longer showing active in my account. I have made 2 phone calls on different occasions and staff are not much use as they tell me to call back after a week to see if it will show in my offers but this is not the case.

Let me start off by saying I have perfect credit and always pay my credit card bill in full every month. So, I paid $700 for a shady gym that promised to give me my deposit back after a 6 week program. When the program was over, they refused to give me the deposit back. I had to dispute this FOUR times with Amex in order to try to get my money back. I provided 3 pictures with evidence showing how the gym was shady and that I was entitled to my money back. I eventually got the money back only because the gym finally gave in and returned my money. Amex was awful and didn’t bother helping me. They somehow kept taking the gym's side even though I provided pics with evidence. I’ve been using them for 10 years, well not anymore. Time to use my Visa now. Goodbye Amex. The dispute department is a bunch of dumb incompetent idiots who don’t know what they’re doing. Now you lost a great customer.

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

Misinformation about replacement card - So I lost my card on Nov 8. Replacement promised by FedEx for delivery the 10th. No card and no explanation. Call number One, I was promised delivery by the 12th. No card and no message. Call number 2, eventually spoke to manager who said there was a material shortage but would arrive by the 14. The 14th came. No card, no message. Called again. This time I was told wait time for replacement is at least a week. Same person later said there is a delay in mailing because of high demand. New script. Apparently no one takes notes. Asked for manager and after waiting for over a half hour, gave up. And this costs over $500 a year for this card? Half hour, gave up.

My flight was delayed for 2 hours and as a Platinum card owner I went to the Amex lounge. And I could not believe!!! I could not enter because my Platinum American Express card was not issued in Argentina!!! So the Amex cards from the rest of the world could not use the lounge!!!??? How can this happen? How can American Express allows to use its name in such an absurd? Is the name American Express independent from the rest of the world?

I reserved a hotel room with Amex and within hours realized I had book the incorrect dates based on airfare. I quickly requested a cancel with the booking company and they provided a cancellation number which I gave to Amex to dispute the charges. Amex refused to credit the charge so I contacted the Director of the hotel reservations and received an email waiving all cancellation fees which I sent to Amex. They still refused to provide a credit. I contacted customer service several times and they were very rude and refused to credit the charges. After being a customer for over 25 years I can say this is the worst company I have ever done business with!

I found that AMEX customer service gives out erroneous information which put me in a bind. Over the past 24 hours I spoke with ten different customer service agents about ATM withdraws... And each time the information that they gave me was incorrect. I was even on the phone speaking with an agent while I was at the atm using his instructions... as soon as the agent found out I was at the atm doing what he told me. His story and instructions changed and wouldn’t help me. So beware of what AMEX tells you over the phone. Chances are that it would not be correct. They really do not care about you as a customer to resolve your issues. I ended up closing my account and moving my transaction to Capital One. I concluded to close my AMEX account because how good is a card if you can’t use it... in spite of the benefits and promises they give you.

I had wrong information given to me and requested the call to be pulled and listened by 4 supervisors. 3 of them promised a callback and never did. Last one call just to say there were no notes in the account so I must not have called. I pulled my cell records from the cell phone company and call back with information. He said it would not help since he can not find any records. It is incompetence or absolutely lying and covering their mistakes. All I can say it is... This is the worst customer service experience without doubt. I get my miles and move on to somebody else that appreciate my business and have some sense of customer service.

I have 3 AE card, and recently just applied platinum charge card. They supposed to send out by DHL, however - message from DHL the document has been on hold. NO one in AE has known what’s going on, despite I called few times to talk to customer service and finally found out why. Then when I had a missed call from the center, I tried to call back - there is no communication at all, the persona answer my call, asked me all over again. No record or anything and also put me on hold for more than 5 mins twice. So end up I had to cancel it. Thank you AE, I think I will cancel you one by one... ;-(. Very disappointed member since 99.

Customer service is significantly worsening in past 3 years. 3 out of 5 times I end up speaking to a rep with very thick Easter Indian accent (hard to understand over the phone), and other 2 times, reps on the phone have very hard time to articulate the inquiry. Credit increase is nothing but painful, especially with Amex's request to obtain the transcript of the tax return. IRS does not like 4506-T that is faxed from Amex, returning the form to me as "legible." I have been Delta Amex customer for over 10 years, but I am getting close to run out of my patience and loyalty to both companies - not worth the pricing point of the ridiculous airfares with Delta, as well as unreasonable customer service with Amex.

I received an offer for AMEX Platinum, and having been a AMEX Blue member for 12 years decided to go for it, even though the $550 annual fee is steep, I do use it for travel, take advantage of the lounges at the airports etc. Although there isn't a pre-set spending limit, I have been left stranded (almost literally) on several business trips in a row now where I try to pay for my hotel, meals etc and the card is constantly declined. I use it for business and have charged upwards of $3-5K for business related charges and then pay the balance immediately after. Well, here is instance #4, on an overseas business trip right now and card was declined trying to pay for a meal. Go to the account page, and use "check spending power"... nothing. Like $100 they'll authorize.

We had several instances of fraud on our card so AMEX requested we completely change numbers. My wife spent over 5 hours over a 3 week period trying to get the cards reissued. Never could get them to accomplish this. They kept insisting that they call. We are away from home so needed to call a cell phone. They kept calling the home phone anyway or said they couldn't complete a phone call to either one of our cell phones that work fine. We finally gave up and cancelled our account that we have had for almost 20 years. The personnel in India follow a script and won't get off of it so you're stuck. The company has tanked completely in my estimation and I would never deal with them again because they, basically do not have customer service.

The worst customer service ever. I had the green card. It says no pre set limit but would decline me for a $10.00 purchase. Quit with the false advertising. What a weak charge card. I would hate to be stranded overseas and couldn't charge but $10.00 on a no pre set limit charge card. When I ask American Express why the card wasn't working they commented, "We don't want to give one card member all of our money." I don't recommend anybody to apply for this card. You would be disappointed like me.

I decided I wanted a credit card that would give me the opportunity to build travel miles, so I found the AmEx Delta SkyMiles card with a promotion that if you spent 3k within the first x amount of months, you got 50,000 bonus miles. I needed a few small-ticket items for our home, so I decided "why not". I was approved for a $5,000 limit which surprised me because no other credit card company had approved me for nothing more than $500 off the bat. I should have smelled something funny there. So off I go as I buy a new dishwasher, mattress, and being I had a job at the time that paid me just enough to get by, I sometimes had to use the card for groceries, electricity bill, etc. So I had racked up about $4200 or so debt and was planning to continue to pay it off.

I signed up for this card through Delta to buy airline tickets. Even though my application had my new address, somehow AMEX picked up an old address from Delta. I immediately noticed, and called Amex within minutes of receiving my email confirmation of credit approval. Amex said they could not fix the address until I had the card--but the card went to an address I was not at, so I could not get the card! I went round and round trying to explain how circular the situation was. AMEX rep said I had to wait for card to be delivered to old address, then call back and report card lost. So I called back 7 days later. THEN I WAS TOLD SOME OTHER REASON THEY COULD NOT FIX IT AND HAD TO CALL BACK IN ANOTHER 7 DAYS.

Do not use American Express for business. Their whole system practices is unlawful. They can put a hold on your spending at any time. I had been with them nine years with no problems paying off cards every month. Something has changed with these guys and I would look elsewhere for business credit daily use! ** American Express! You lost a good customer for life!

Today I received an email, not a phone call or letter stating that American Express reduce my credit line for no apparent reason. I have always paid my bill on time and have even paid more than what is due. I have even paid the full amount owed on the card yet they still treat me this way. I would not ever recommend this card to anyone ever. I have other credit cards and they always treat me like a valued customer unlike American Express.

My mother died unexpectedly right after receiving a brand new account with Delta AMEX card. We had charged thousands of dollars in purchases and planned to keep using it for years to come. We had been loyal AMEX cards with a separate card and had an unblemished payment history for over 15 years. Right after my mom died I forgot to set up auto pay for the brand new Delta Airlines card and missed our first payment but paid the statement in full asap as soon as I realized it a couple days after the due date.

Been an Amex customer for 20 years (Since 1998). Amex used to stand out for customer service. If you don't have to talk to them everything is good but if you need to talk to them then you go through multiple agents, uncoordinated handovers, people that are clueless. Frustrating. Customer service quality has dropped significantly. No longer feels like a premium experience or even close. Things need to improve especially with the higher competition. The card is good value with the lounge access. However, customer service is horrible.

I have 2 American Express cards and have been a customer in good standing for over 2 years. Recently, I had a zero balance on both cards and have been working to bring my credit score up after a divorce 3 years ago. My ex was terrible with money and I struggled to pay off all of the cards since they were in my name. I paid off a large balance 3 weeks ago... over 4,000.00... and I didn’t carry that balance long at all. The other day I asked for a 1,000.00 credit limit increase to make a large purchase. They put in for it. I called back to see if the increase was in effect. The representative told me that it was not approved and that American Express actually LOWERED the limits on both cards by 1,000.00! The rep did not know why but then asked me to provide all of my pay stubs for the last year and proof of income statements as if I were a new customer!

After seeing the introductory promotion for this card, I signed up for one. I enrolled in AutoPay to avoid missing any payments. Turns out AutoPay misses a payment cycle. When I received my statements later, I found AmEx had been continuously charging me interest because of that missed autopayment. Not only that, they charged at a penalty rate HIGHER than even the normal APR. Calling customer service failed to solve the issue. The first rep couldn't do anything, and their supervisor was completely unsympathetic.

I have paid my Platinum Amex on time and in full every month since receiving it. The one time I miss a payment due to an emergency hospital stay, they reduce the limits on both my platinum and Everyday Amex cards not even one full week after my original payment was due. Life happens! I think it is deplorable to treat a consistently paying costumer this way after ONE mishap. I would understand if I had a history of late payments but I’ve literally not had one. I could even understand if I missed two billing statements or I was over 30 days late but it hasn’t even been 2 weeks! They reduced my limits so much that I am now over my limits on both cards which caused my credit score to drop right before closing on a property.

I got the card which stated no limit. I called to ok purchase of 3000$. Ok paid bill. Suspended use. Turned on spend money. Paid bill. Suspend spending. Each time payments in full were made before due date. On my birthday a couple of months of this stop and go spending I treated myself out to dinner and some other activities. They declined my card at 1130 pm. Asking for employment verification and income tax for the last three years. Now I have spent and paid up until now and this. So they turned off my card for 14 days waiting for papers that I told them they weren’t getting. They cut spending back on.

I was able to spoke with this agent Chinmoy from AMEX. Usually we always call the AMEX (8005282121) to have a name and address verification since we are also from a fraud prevention department. Swear, we've done this a lot of times (Everyday we call to them) and this certain agent won't assist me, and won't even provide me his ID number which is very new to me since we've done this and usually the agent will provide their first name including the ID number once we've done with the said verification. Just keep me putting on hold and won't even let me speak with a supervisor. This is very frustrating. It's like he's not willing to help me.

I always pay my monthly payment on time. So I remember for sure I processed my last payment through the website because I remember doing so. So a few days later I end up with a late fee and I'm all of sudden over my credit limit because they did not allow my payment to go through. So I get on the phone to tell them so. The lady tells me like I'm stupid that sometimes when we make a payment we don't confirm in which I know I did. They didn't accept the payment so I could go over my credit limit and they can get more money. Mind you I always make my payments on time. "Do not, I repeat "Do not" get this card. They will keep coming up with imaginary fees and cancel set payments to incur late fees so they can get more money.

A few months back I called AMEX to have my Green card replaced due to a malfunctioning chip. The service rep. I spoke to told me of a promotion of 40,000 additional points if I upgraded to the Gold card and spent $2,000 over a 3 month period. The green card had been fine for me for years and saw no reason to pay the $100 additional annual fee but 40,000 points for less than my usual spending range sounded good. Well the card came yet there was no mention of the promotion. Two calls to customer service provided no answers, only promises they would get back to me. Finally after almost 3 months and a 3rd call I was told there was no promotion for upgrading. I'm from a time when AMEX was the pinnacle of charge cards but times have obviously changed. Being lied to and then not even being contacted back after 2 inquiries shows they care nothing about customers. Member since 1982 but no longer.

A few weeks ago I received an SMS from AMEX asking me to pay my annual fees. I had a card that ended in 2017. So I called them and told them I don't have a card anymore. After several phone calls and investigations I discovered that the card was sitting in the drawers of the bank for the past two years. I asked the bank to cancel it and refrain from paying AMEX this year's annual fee in addition to returning my last year's fee. I received a phone call from AMEX in this respect. I made it clear that I didn't want the card and asked them to cancel it. A few days later I received the following SMS: "A payment request for USD 175.00 has been sent to your bank pursuant to your Direct Debit instruction for your AMEX Card ending **. Kindly ensure that your bank account is adequately funded. Thank you." Isn't that harassment?

Wow, what a jarring experience. I called about fraud. First rep "disappeared." 2nd rep kept cutting me off and had me apologizing, told me it did not good to speculate how the fraud happened. Very curt.

I hold myself accountable for popping for $550 AMEX Platinum. Cancelling ASAP. Experience #1: My wife and I traveling to Europe. Planned to use the Platinum Airport Lounges... but my wife denied entrance since I was the only one CARRYING the Platinum Card. Pretty embarrassing particularly since one of the reasons for the card was to be able to use the Lounges when traveling. Recently booked travel to Seattle area for August. My wife has respiratory problems and Seattle's air quality currently rated worse than Beijing. Doctor advised her not to go. Called AMEX to change travel to October due to the medical issues. Told that we would have to pay a significant change fee plus any fare differences regardless of the medical concerns. Getting just this far took about 3-4 hours... just the beginning. We had to change so I agreed to the change fee.

From last two years your sales representatives keep coming, collecting documents (including PAN, salary slip, etc), every time they convinced me, "Sir you don't have any CB score, but you are earning very well, if you give me your Form-16 and ITR then we will easily dispatch your credit card asap" and after that no response at all. Since Sales teamwork is done, now no one is responsible for anything. Whenever I called customer care they tell 'Since you don't have any CB score so your card got declined'. Better to check my CB score before collecting documents, well this is pathetic. Seems like you guys want to stole personal data (actually very rich data Form-16, ITR, PAN, Passport, Salary-Slip) and then sell it to third party (Huge business is going on these days.). And it's not only me. I have seen this with my colleagues also.

My bill is 20 days late. I got a phone call that they are using a 3rd party to find phone numbers associated with my name and calling these people asking for me. American Express was not given these people's contact info by myself, the sole cardholder. They should not be allowed to call anyone else unless I authorize their information. The only contact on the account is mine and my phone number only. How did they get the permission to call my other family members if I did not allow this.

The last 5 digits of my card is **. I have received the statement for the month of July (07/29/2018) for an amount of 439.18 whereas the amount I had spent was only $403.19. The non-plan balance: 237.63 and plan balance is 165.56 totaling to $ 403.19. When I try to call customer care, they make wait for long hours and then keep juggling the call between collections department & customer care. I am totally fed up with the service and forced to write a complaint on the Consumer Affairs forum. I want this to be resolved at the earliest as AMEX team is not at all supporting in clearing this issue.

Got approved quickly and was told I could use the card (Amex Delta SkyMiles) ANYWHERE even to buy a money order for up to my credit limit without taking out cash advance. The payment who be treated as a debit charge and can be paid off next billing cycle. Come time I needed to do so for rent I CAN'T after asking the representative MULTIPLE times if it can be done with no restrictions a week prior to getting the card and if it would count towards SkyMiles. He assured me it could and would. NOPE. I tried USPS, Wal Mart, CVS, Kroger, my bank, NOBODY ACCEPTS THEM! Turns out many places don't accept Amex because of the high merchant fees.

AMEX is by far the worst credit card company I have ever dealt with! Yesterday, when trying to use my card, it said that my card expired, and declined my purchase, when it expires in 2020. I called an idiot named Derek in Sunrise, Florida. He said that I had no available funds to spend and I told him that I looked online and I do. Then I asked to speak to his manager five times; he would not let me speak to a manager! Then two days, it declined a small purchase. I spoke to a woman again in Sunrise, Florida who would not give me her manager either; perhaps, they are short of managers!!! American Express has consistently terrible customer service reps that are either stupid or don’t care about their jobs!

Not accepted in many establishments, They favor corporations and don't give a damn about cardholders. Unfortunately; corporations don't give you a choice of Visa, MC, they force you to use American Express. If given a choice I would dump the unAmerican Express and use Visa or MC. When corporates are late paying American Express, the cardholder is still responsible for late fees, corporations and American Express know that and don't care. Cardholders are screwed.

Amex refunded 80% of the interest charges + late fees. Not 100% as I would have preferred but satisfied.

Have recently opened a credit card with Amex, June, 2018. It is now 1 month later and as I have done with other banks, I am ready to close any accounts I have with American Express. Pretty much with regard to these banks’ Customer Service individuals. Feel as if I am speaking to children or dumped into a call center, kept on hold indefinitely, my analysis, not a good scenario, do not trust these people you are talking to, probably frauds who say, "I can help you." WHAT! If you have any red flags, do not disclose any information, a lot of busy, busy busy, nosy busy bodies asking too many questions, go directly to bank's corporate offices.

The Amex card is the only I have been charged for late payments. - Sure, it was my responsibility to check my account if a payment was due, regularly. I trusted my "Alarms" settings with the Amex and that they would send me notifications before payments were due. They never did. I tried to resolve the issue by chatting about that (1 hour) and talking on the phone. They sent test emails to me during those chats. Nothing arrived. I wanted to verify what settings for "Alarms" they had on my account. They did not let me. That "Personal Details" page was blocked. There is a record of that when we chatted. I was shocked to discover that they unblocked that page after I canceled the account. Now I can make changes to the card account I canceled. Former Amex member since 2006.

I am an office manager/bookkeeper for a local small business. We had a dissatisfied customer and he filed a complaint with Amex and they took the whole amount out of our account and put it on hold until they got documentation from us supporting our claim. We did everything they asked yet they sided with the customer. It was a substantial amount of money and we feel that anything over $5,000 should be kicked back and sent to small claims court. The people at Amex have no experience in our field, never asked for any more information, never called to speak with anyone and just supported his claim. We have since stopped taking American Express and will not deal with them EVER AGAIN.

In an act of good faith, I contacted American Express about the passing of my father approximately 5 days after he passed. I asked for the final balance so that I could send a check to pay-off the account. No more than 2 weeks later, I received a call from the American Express' collection unit. They were extremely rude and at first would not tell me what the call was in reference to. I believe the phrase the gentleman used was, "This is a call about a previous business arrangement." I figured out who was calling and told the gentleman it was completely unacceptable to contact a family about the balance owed on a recently passed loved one when the loss had occurred three weeks prior.

In the last five years, American Express has been on a serious decline. Before, if I ever needed a card to be replaced due to loss or fraud, Amex would next day deliver me a card, even if I was in a foreign city. Now, you have to fight tongue and fist to have your card expedited (and that's just for a 3-4 day delivery). Additionally, Amex used to notify me the instant there were any suspicious charges on my account. Recently, when I was billed for a $3000 charge that I hadn't made, I made that discovery myself. Amex never notified me. This felt so odd, seeing Amex is a global company. Shouldn't Amex be better at spotting fraudulent charges?

I saw an offer for an American Express Charge Card that had bonus points when you sign up if you spend 3k in the first 3 months. The card arrived and after 2 days it started declining all charges even though the balance was very small. I called to complain and they sent out a new card. This new card never allowed 1 charge to go through and kept declining. I called and again they shipped another new card. The new card never arrived and after calling multiple times, I gave up and 0 bonus points.

I’ve been an AMEX customer since 1995. Four days ago, I received email notifications of $2100 in charges I didn’t make. I called AMEX’s fraud department to report it immediately. Found out I’ve been locked out of my own account by criminals. AMEX is treating me like a criminal! Twice I’ve been told they’re emailing me forms my bank will need to sign & notarize to verify my identity. Twice they’ve not been sent. My requests to escalate to a supervisor have been ignored. They assured me on 2 calls that the account is frozen, yet another fraudulent charge appears yesterday (I received an email notice of the charge posting). I have perfect credit and this company is about to cancel my card. Criminals were able to change account information yet I can’t. I’m beyond furious. Will try their corporate hq today but am not hopeful. How can they be held accountable?

I cannot stress enough how horrible this card is, they sent a credit transfer to another company and it's not my responsibility to find where they sent the money and fix their problem. I've reach out to customer service 10 times and still unresolved. It's taken 3 months and still funds are MIA. I waited so long for this, and is the WORSE credit card company EVER... Keep looking.

Gold Delta SkyMiles Credit Card. Insurance charges appear without being asked if you want it. The help center was a terrible experience. It is very frustrating until I received a credit. I kept being outsourced between India and Mexico. It took me over an hour to finally receive the credit.

I have had the card for 4 month (charge card) and although they say you have no spending limit, know that you do! I have paid on-time and I checked my spending power before making bigger than usual purchases. So the app said I had the spending power. I made a purchase way less than that for $369.00 dollars and they said that my spending power was decreased, but they gave NO notification. They check your spending power is worthless if it does not match your system. How could a card that is suppose to be so prestigious be so embarrassing and humiliating! American Express you HAVE to do a better job! Oh they said my purchase could go through if I made a payment! My balance was only $1099.00. I could have accepted you lowering my line, even though I had paid on time for whatever factors you use to determine limits. But embarrassing and humiliating your cardholder is on a whole new level of LOW!

I cannot be sure when the issues started accumulating, however, I would suspect it was in January of 2018. In early January, a client issued me a check and failed to sign it. I failed to notice it lacked a signature. My bank did not fail to notice and even though they initially made the check fully available, they quickly deducted the funds from my account. Unfortunately, I had already initiated a payment to American Express. That payment was subsequently rejected due to lack of funds. Technically true… but resolved quickly once the error was detected. My American Express payment was not late as American Express retried the payment and it went through. I would have never issued the payment had I realized the check wasn’t signed and the funds would not be available. And yet, I still would have made the payment on time as I did.

I applied for a new credit card last week! It had my old address on it and Amex won't allow me to change/update the address, because of an inefficiency on their system!!! They said it was sent on Rush through UPS and it would get to me in 24-48 hours (but, at the wrong address)!!! Then I've been asking for a tracking number for the past 5 days. First they said in 24 hours they would get it, then 48, then 72... now they said that new cards are delivered in 7-10 days... (such a rush delivery right?)

New customer June 2016. Blue Cash Preferred Card. $75 fee. Everything was excellent with AMEX until they raised my fee to $95 with absolutely NO NOTICE, no letter, no email, no explanation, NOTHING. After chatting many times with them, they absolutely won't do anything about it and simply do not care one iota. They will say a letter was sent...that's a lie because we are paperless. Then it was an email...that's a lie too as every single email ever received here is archived forever...no email. No retention effort at all. They will say "Sorry for the inconvenience", SO WHAT! Those words and a buck fifty will get you coffee. In fact, AMEX WILL argue with you.

I received a letter from Amex stating my application for the above noted card type (Gold Delta SkyMiles Credit Card) was denied. I have never applied for this card and told the customer service rep that I was reporting them. They did not and never had my permission to apply for a credit card under my name. Shame on American Express, fraud!!

Opened the account and was given the impression that if I did a balance transfer from my Visa, I'd get extra points. Almost two weeks later, balance hadn't been transferred, so to avoid interest charges, I paid off the Visa. Called AmEx to ask what happened with the balance transfer and to let them know that I'd paid the card off. The call took almost an hour at which point I was told that they had already put the request through their company. I told them to cancel it because I'd already paid off the card. They said they couldn't and that I would have to give them $1,000 and then I'd get a credit from Visa and I'd have to call them to get a refund.

I must have been confused when I received this card, I have had it for about 4 months, used it frequently to earn the extra points. I am now getting phone calls that I am delinquent and need to pay the full amount. They have told me that my credit report will be affected if I cannot pay the entire 2500 (includes $550 yearly fee). I explained to them that I was under the impression that this was a credit card and that I could make monthly payments like my other cards. I was wrong. I also have another AMEX card that they say will be affected by this and likely canceled. I applied for the card to increase my credit score, now it has ended up lowering it. I am more than frustrated and feel completely hopeless. Save yourself some head/heartache and don't get this card.

I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for 25,000 reward points for upgrading. I had a RSVP code of and a call in code on the letter. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they cannot find a copy of the letter that THEY SENT ME with the offer and so they won't credit the points. Here's the kicker. Having dealt with this company before, I kept a copy of the letter and took down the name and extension of the person I spoke with.

Amex is going down the drains in customer service. I have been a card member for over 18 years and I am done with them. After paying $725 a year as annual membership fees for my Platinum Card, they cannot even deliver a card in 24 hrs. In the good old days, you could order a replacement card in the afternoon from Mon to Fri and it would be guaranteed delivered to your doorstep by next day. I requested a replacement card on Monday noon and today is Thursday and the card has not been delivered. When I called, the Rep said a card replacement has been initiated yesterday (Wed which is two days after I requested) but did not know if the card was mailed, had no tracking number and could not tell when the card is delivered. This is how far Amex servicing has slipped. It's sad and pathetic!

The rewards, easy to accumulate miles. Very convenience to use the services provide. If you have the chance, get it, use it! I am very happy with the service!

We use this card as often as possible to rack up points and has done well for us for many years, the only real drawback is that a lot of small businesses will not accept it because of the higher fees.

Love the card! Just wish more places would accept it but your vendor rates for small businesses make it impossible. Please consider changing this. Otherwise customer service is outstanding.

We applied while stationed overseas. Our neighbors applied - got their cards - no problem. For us (the military family) they wanted us to jump through hoops over and over and it was our responsibility to keep checking in with them. They took no initiative to stay communicate back with us. Terrible customer service. Inconvenient operating hours and the call center are not native English speakers. I couldn't understand them at all.

I accumulated over 300,000 membership rewards points over 6 years before leaving my company at year end. Further, I have had an AMEX card since 1994, charging perhaps $1 million of charges over such time. I called 39 days after leaving my company and was told that Amex “policy” was to wipe out all miles after 30 days. No exceptions. I appeal to national office in NYC and am rudely told the same thing. So let me get this straight. I charge over $300,000 worth of goods/services on the card over 6 years never making a late payment and accumulating 309,000 membership rewards points and Amex STEALS them because I’m 9 days late redeeming.

I'm a new client to Amex however I get my card today and I activate it. I go shopping for the business. 1st chg ok., 2nd ok, 3rd fraud lock. I call and verify and it's ok. I try 3rd purchase again locked. I call again. They want additional verification. I have my bus part call. They said it's unlocked. I try again fraud lock. Meanwhile my car was serviced there too and we were stuck. I called again and fraud center closed now. Myself and pregnant employee have to walk 7 miles. Thanks Amex you ** suck.

I've been an American Express member since 1986. About three weeks ago, my Optima card was declined at dinner. I called American Express the next morning and was told the decline was due to a new card being issued. I told the AMEX customer service person that I had not received a new card and was not informed. Also, I explained that it was embarrassing that my card was declined at a local establishment. I was then placed on hold. After 10 minutes, I hung up. The next day, I engaged in a Web chat with AMEX about the same issue. The person told me the same thing about a new card being issued. I informed the person that I had no knowledge of a new card and had never received one. The person replied "I'm sorry." Three weeks later, NOTHING from AMEX. They obviously do not care about loyal long term customers. I plan to do some advertising for AMEX.

AMEX Platinum is there when needed in both health and travel needs. I was ill in London and when notified they sent a list of MD, their locations and then followed up with calls and e-mails even after I returned home. In the case of travel - they arranged a tight connection flawlessly and even had the plane held for me!

The companion ticket offered on the airline is hard to use. It says no restricted dates. Wrong! Some flights are not available for this reward and they say it is full.

The only person in the family is me who has Amex Platinum and somehow they reached my husband for a payment even I didn't give them the consent to add him as an authorized person. Who can even imagine what they said (by accent wouldn't even tell that are American born people) that in America husband is automatically added as an authorized person on the card. This is just ridiculous! The best credit card has the worst customer service!!!

The American Express Platinum card gives me a free airline ticket each year. There is a fee to use the card but it is a lot cheaper than buy a extra ticket. The fee for my card is $198 a year.

Card itself is great but benefits not so good. Reward points can only apply to that cardholder so if there are 2 cards in the account, points only apply to one of them.

American Airlines has partnered with the American Express Platinum Card so card users are allowed to go the AA VIP lounge which is exceptionally nice. The hotel deals are really for five star hotels that are quite expensive. The customer service is exceptional.

I got this a year ago under a promotional offer to receive 60k sky miles and $100 credit if I spent $1000 within 3 months. I spent over 1k before June 1st which was my deadline and I never got the sky miles. I can look at my statements and my total spending for the promotion was $1069. I've called Delta, I've called Amex, I've spent a year working with people to get them and I still can't. I have friends and family that all did the same type of promotion and they got their miles right away.

First card at 40. Now I am 85. Always paid in full, every month. So you can see I have a huge amount in the rewards program. Used the points once for a flight But there is not much you can use the points for. So the rewards thing is useless. Thanks bunches.

If you decide that having your fee raised $100 and suddenly being charged an extra $175 for an "extra cardholder" is just too much from the criminal enterprise known as American Express, beware. Once you ask to cancel your card, the hardball begins culminating in being told that any points you have pending don't belong to you. Yes, you have to pay your remaining balance. But Amex gets to keep the points. Sure, they'll offer to switch you to a lower cost product but what's the point? The customer service is atrocious. For instance, if you use points to book a hotel room, Amex does it through Expedia, basically ensuring that you'll get the worst room in the hotel. More than two hotels have admitted this to me. Advice. Cut your losses and go with a company that actually wants the best for its customers.

I applied for and received an American Express Delta SkyMiles Card at the beginning of October specifically because of the bonus offer of 60,000 miles after spending $3,000 in the first 3 months, which I exceeded in the first month. I should have received these miles in January but it is now the middle of March and I haven't received anything yet. I started calling them in the beginning of February to complain and now after 3 calls and a lengthy online chat with one of their CSRs I still have not been told when I will receive the miles.

I originally applied for an American Express credit Card in December of 2017. When I called to activate the card I found out the promotion offer is not what I signed up for 10,000 MQ's and 40,000 miles. It was something less. I spoke with a representative as I signed up online and nowhere was there an offer than the 10k and 40k. He said he was not sure what happened but that is the promotion that was assigned to me. The representative said I could file a complaint that would take a couple of months to hear back on or cancel the card and reapply. We decided to do that since the approval process would only take a week (however it took a month) and would be faster than the complaint route. I asked about the promotion on the reapplication and I was told I would still be eligible as I had not used the card and did not receive any promotion benefit.

They raised my apr due to low credit score which has been low for a long time but now they are raising it (trolling for more ways to make &)? Anyways I am pissed because I've been a customer since 2004. I talked to customer service & told them that and it apparently fell on deaf ears. Anyways my father basically let me use his credit card- much better credit limit! And much better rewards! I told American Express I'll keep their sorry ** card open but never ever using it.

I disputed a transaction with American Express for $2,000. The merchant provided a piece of paper without my name or signature on it. American Express closed it on their favor. I called to re-open it and told them my name was not on the paper nor was my signature (the signature on the paper isn't mine nor is it close to mine). They re-disputed the charge and again the merchant provided the same piece of paper. Yet again, American Express closed it in favor of the merchant. Even though, I've explained that is not my signature nor my name on the paper provided to them.

American Express has long been in the esteem of its millions of card members, not to mention mine as well. American Express has globalized and things have changed; no longer is it important for AE to keep their promises, and honor their word. Their new singular oath is to profit, at all costs apparently. American Express solicited me with an inducement if my business met certain spending levels. The business exceeded the spending levels, and AE refused to keep its promise and dishonored themselves.

I signed up for this card in August and met the spending threshold in the first week. As of today (February 27) I have still not received the promotional points. I have complained on 4 separate occasions, each time being told the issue would be resolved at a later time. Now I am being told that it will "probably" be resolved on the next billing cycle. Delta you are a great airline company, but it is time to partner with another credit card. If not, it may be time to consider another airline as well.

Many horrible experiences with my Corporate card that employees are required to carry and use. Received a duplicate Hilton hotel charge that took six weeks for a refund check, so I promptly disputed the charge before due date and told Amex Customer-No-Service that I would pay this charge as soon as I received refund check from Hilton in the mail. No online payment can be made because latest online statement indicates no payment is due as a result of disputed charge, Tried calling Amex Customer-No-Service back as soon as new zero-balance statement was issued; told that Amex cannot take my payment "due to the automated system." Dumbest, most customer unfriendly process on earth! No idea how to resolve. Having spent hours, Amex won't take my money!

I applied the card through Amazon.ca which Amex promised to give $75 statement credit after you purchased $75 Amazon goods. However, it has been 6 months after I made the $75 purchase and I still didn’t get the statement credit. The whole customer service department is useless and just keep on telling me to wait. I will cancel my card right after I receive my cash back and will never apply Amex again. Advice: don’t apply, period.

My Wallet was taken out of my bag at some stage in a 24 hour period. We were unsure when or where but only realized this once Amex finally decided to let me know I was now $400 within my credit card limit. Nearly $6500 dollars were used on my card. Mostly within the early hours of the morning, jumping from service station to the next buying over $3000 worth of cash gift cards...this somehow was not an odd spending pattern to Amex and didn’t flag up with them. The individuals who had my card were somehow using my pin. This to Amex meant that it must have been me using my card even though within that period I hadn’t left the house and had used my card to deliver Uber eats to me 3 times while I worked from home.

Wow. What happened to this company? I have been a cardholder since 2006. I got the Blue Cash Preferred Card back in December 2017. I paid for the $95-dollar yearly fee before got my first statement because I knew I would be out of the country and would not be back before the payment would be due. However, I was not issued a credit. AE have done away with all US phone representatives. Also, every grocery purchase I have made I have not got the 6% cash back as the card states. They say it only applies to stores on their list. Their stores not ones I shop at, I use Sprouts Farmers Market which is not recognized by AE as a grocery store. I have been fighting for 3 months for my $95 credit. No luck. I have sent proof of payment only to get a letter from stating that the payment was applied to another members account with the same banking information and therefore no credit will be issued. What??? The **! This card will be never be used again.

I work for a company that processed a credit card purchase for a customer totaling in over $50,000.00. We delivered all goods to said customer, and they signed a completion form stating they were satisfied with everything however there were a couple minor issues with their purchase that they were not happy with. Although the product that was delivered to the customer was 100% functional in every way, my company went above and beyond for this customer to make them happy with our product. Unfortunately, some of the things that the customer wanted fixed were dependent upon weather and we were unable to complete them due to the weather taking a turn for the worse (I.E. Winter).

I closed my AmEx Hilton Honor in 2016, Account Retention provided credit to offset the dispute. I later called to close the account and switched to Hilton by Citi. Fast forward to 2017 September, because of a Hilton Promotion with AmEx, I had decided to sign up with AmEx Hilton again. 4 months past and I still have not seen the promotional points in my account, so I called to inquire with AmEx. Apparently my other card that I thought I closed in 2016 is still active. Although I have not paid the $75 annual fee nor was I notified until after my call; I became disqualified for the promotion. 2 questions - 1. Why was my account I thought I closed, didn't. 2. If I have the same identical card, why would AmEx Accts failed to let me know and open a duplicate card? So she could take credit? Needless to say, I made sure the 2016 account IS closed and I am out of Hilton's 100,000 point promotion.

I was making a purchase on Delta airline tickets, I was told if I applied for this card I would get $200 and 30,000 Miles on Delta. So Delta connected me with American Express. I went through the process and The AE person ask if I would like to go back to Delta to purchase the Ticket. I ask how would they know my account number? They assured me Delta would just know. So of course they had no Idea and I have spent over four hours trying to work this out. They can't verify the account yet and can't cancel the account yet and they can't even tell me if I get any of the bonuses if or when the card shows up in 7 to 10 days. Which of course Delta will not hold the ticket that long. I will cancel this card as soon as it arrives.

After 19 years with Amex Platinum. I am finally closing my account with them. I have to call 7-8 times over a period of 3 months chasing a gift card I redeemed for points. Never received it, each time I call I am advised that they will send it and will personally call me to confirm but they just don't. I even spoke with a supervisor and he assured me that he would sort this out... 2 weeks ago and nothing. It's only $250 so who cares but it's a sign of how unreliable they are now so good luck if you have an unauthorized use of your card, need to claim on travel insurance or get any benefits that they charge an arm & a leg for. Time for a company that wants my business.

Complete disregard for Consumer Protection laws. Refusal to work at resolution when they mishandled my credit. Mistakenly added my husband as a joint holder and when I joined a credit consolidation plan they put him in the plan instead of me. They continue to report missed payments even though I pay them every month and on time, they are looking for payments from my husband who is not associated with the consolidation program. Have been trying to resolve this for a full year while my husband's pristine credit continues to plummet. They have given us the runaround for a year and most recently gave us a fax number that is a non working number. This is the most unethical credit card company I have ever done business with. I will never own another AMEX and I encourage everyone to do your research! This company is rotten to the core! Makes you wonder why most places don’t even accept AMEX... Wonder no more.

In my experience, the Amex card is accepted in fewer and fewer places, especially internationally. MC and Visa now accepted virtually everywhere. Decided to cancel when automatic renewal came up. Continue to get billed for the annual fee, plus added late charges, because the card was cancelled 8 days outside the 30 day window. Chatted with customer service and was told that nobody had the authority to waive the membership fee. While the reps were courteous, they clearly are lying as instructed by their superiors. They either would not or could not connect me with anybody who had the authority to waive the charge for a cancelled card. Simply not credible. It's no wonder they are losing market share.

I am a 15+ year American Express cardholder and for the first time I've been mislead and talked into a new card. I was promised the 40k bonus points by the Amex representative even though I've held the card previously. I asked the representative and he told me that because it was so long ago, that I would receive the offer. Note: I did not need a new credit card since I currently held another American Express card. He reassured me again and I, of course, agreed and with a 800+ score knew I would immediately be approved.

I used American Express to buy two tickets to Rome for September 2017 on Alitalia. Less than two weeks later, Alitalia declared bankruptcy and stated they could only guarantee operations through August, 2017. They were still around in September, but we were unable to travel. We live in Naples FL and were blasted by hurricane Irma (our street had three feet of water, oak trees blocking passage and destruction throughout the neighborhood including raw sewage coming up through shower drains). We could not travel. Everything we paid for was refunded (tour company, hotels, US air travel, etc.) EXCEPT the Alitalia charge on American Express. After months of chasing American Express, their customer service people say they can do nothing about their travel partner. As a forty year cardholder, I have the same questions as others who have written in: What has happened to American Express?

I called for changing address of my card, the person who picked up my call with a tone that is cold and impatient. He even told me that I couldn't cancel my card? Seriously? I can get it then I can refuse to use it. What kind of customer service does American Express get these days? And for changing address you need to send an official letter? Excuse me, what an ancient world do they live today?