American Express

I've been with American Express for over five years and every time I check into a hotel and they put me down for incidentals and I check out my money is on hold for 30 days
American Express keeps my money and it doesn't come back to me that's all they do is steal worst card I've ever had I never had this problem five years and getting worse and when you call customer service, they don't have any correct?answers for u that's all American Express does keep your money they don't refund Nothing they don't know where the money went to.

Very disappointed with the lack of customer service. Today I was placed on hold for nearly 10 minutes and then transferred three times. I received a notice of a new $150 membership charge—I will not be renewing as there are other more attractive card offers with more customer-friendly fees, rates, and service.

They cut my limit due to my skin tone and said due to delinquency but when i asked to see the delinquencies they said all 3 cards paid in full and up to date and NEVER late and preceeded to sling the $#*! how american express is a great company that doesnt discriminate bit switched agents 3 times before brushing me off to a phone person 2 days from now cause cant back anything they say

This card has been very helpful throughout my travels. I look forward to using it more often and receiving the awesome rewards

Worst company Ever, Just cancelled my Amex Business Platinum and 2 other business Amex's I had. Nothing but problems with them. They claim to be some high end card for $700 a year but all these free cards now have better benefits. If you use their card to redeem for flights they charge you 20-30% more with their travel site vs going directly to the airline site...stay away from this company Visa/Mastercard are 100 time better

I have been an AMEX customer since 2010. From Zync up to now Platinum. These cards can be financial tools. But be aware, AMEX may take away your financial tools and freedom whenever they see fit. This has been my experience:

In 2021, in my 2nd year of law school, AMEX rewarded me by lowering my preset spending limit.
In 2023, after graduating law school, AMEX congratulated me by further lowering my preset spending limit.
In 2024, after finally securing my dream job, AMEX again further lowered my preset spending limit (amidst heavy law school debts).

If you have the American Dream of pulling yourself up by your bootstraps, I commend you. Persever in your passions. You will likely need help accomplishing your dreams. And if nearly 15 years of being an AMEX customer has taught me anything, it has been not to rely on AMEX to help accomplish my American dream.

Got email if I use my cc with Marriott I would get a $200 refund, after sending $1200 was told 3 months for credit, then in December they are giving all kind of stupid, unprofessional excuses why I can't get the credit. Not worth me using card. Very dishonest

American express hustle their customers with fees which I was not responsible for when a unauthorized charge was done on my account American express did not want to wave the fee. Greedy company.

So disappointed in American Express! I have had my card for over 15 years and have never missed a payment. All of a sudden, last year they almost doubled my interest rate and made it impossible to pay it down. Then, a couple of months ago, I started receiving threatening emails saying that if I did not pay a huge amount, which was four or five times the normal monthly payment, they would decrease my credit limit, which would make me exceed my limit and would damage my credit. I called today to see if they might be willing to reduce a little of the interest if I paid it in full. I was willing to pay almost the entire balance minus a few hundred, which was the amount of the interest difference over the past 12 months. I was quickly told I could pay the entire amount, period. There was no offering to settle for a little less, no offer to decrease the interest rate a bit, nothing. I told them I was planning to pay it off today if they would take a little less and keep it open for future use, but I was thinking that might not happen now, and she said ok. Wow! I will definitely relay this to all of my many business associates and friends so they do not end up in the same boat as me. We owned a construction company for 50 years and had Gold Cards. I guess being a loyal customer means nothing. There are plenty of other cards to use. I will find one of them. I hope no one else has this experience.

I have been an AMEX member since 1989, continuously. Today I decided to open an AMEX savings account, to take advantage of their interest rate. So I opened the page, and began the application. (See photo below). When i got to the page to sign in, it would not accept my ID and password, said they were incorrect. Why? Because you have to lie and say you are not an AMEX customer. After checking and rechecking, I called AMEX. Guess what…TO OPEN A SAVINGS ACCOUNT WITH AMEX BANKING, YOU HAVE TO SAY THAT YOU DO NOT HAVE AN ACCOUNT WITH AMEX. That is what they told me. No, no and hell no. After 34 continuous years with AMEX, I am not going to tell a lie, that lie. Particularly when I intend to deposit a substantial amount of money, which could disappear….why? Because I lied. So beware, BEWARE! This situation is not straight up. And, when you research Reviews for AMEX….well, beware!

American Express doesn't deliver what they promise. I signed up for a card based on a promotion and they refused to deliver their promised welcome package. I even created a case number, which they ignored for months. Customer service is poor and I cancelled the card.

As title said. They credited fraud after 1! Month! And they told me tge credit maybe reverse? What a garbage company! 🙄

They only allow select charges when you try to meet their promotion requirements so that you never meet the limit but not before they charge that annual charge. Then when you catch on that they are cheating you by saying you were 'short' the required spending, they will not refund the fee, even if a prorated fee return has been requested.
Thieving Crooks!
I have perfect credit and I'm leaving American Express because I'm sick calling and getting place do hold while they tell me a supervisor will 'call me' later.
Never going to happen.

Costco Citi Card - 10
Mastercard - 10
Discover - 10

No one excepts Amex because of there fees. The only card that charges you to use out of country or in country. Do your research find a better card.

American Express used to be the top notch card to hold. And yes membership had its privileges but as of now American Express is horrible when I say horrible horrible. First of all, they tried to dissuade you from talking to a human by going on the internet chatting. Nobody wants that number two when you had a dispute. American Express was very gracious to work with you. As long as you provide a documentation. Once you get documentation now they're still questioning you. I am over American Express. Nobody hardly takes your card. Anyway, I'm getting ready to go to the other side because customer service was the only thing that really made you guys stand out. That was your signature and the way that you were handled disputes for me was golden. But now you full of excuses and you don't stand by your customer done done and done

Referral links: you click on it and navigate to a dedicated landing page. It's not the card you want, so where do you go to not break the link? Top left button or buttons in the footer of the landing page? Both take you to the same place to see other card options but my hunch is the links available in the footer don't retain the referral link and break it - so why is this route possible on a landing page that offers the same thing at the top? Two ways of achieving the same thing shouldn't exist - you break the link without knowing it.

Complaints "the marketing team would know if there was an issue. The link wasn't used (ie your fault) and I can't test it myself to confirm your theory. Complaint closed and not honouring points."

Wonderful - I'm closing my account after 13 years of loyalty as a result of such poor handling and asserting I'm not capable of clicking a link.

Harvard has designed a test to identify a "moron". If a person has an American Express card they passed the test.

I've had my American Express card for over 5 years and in that time I've never submitted a claim for any fraudulent charges. Last month, for the first time ever, I submitted a claim for a fraudulent charge that was over $600. Customer service tried to make it sound like I was the one being fraudulent by submitting the claim. They did not help me cancel this charge or offer any assistance whatsoever. I paid off my card and I canceled it today. I know that canceling a credit card will hurt your credit in the short-term, but your credit will quickly recover in a matter of just a few months, and then you won't be stuck giving your business to a bunch of con artists. It was worth it!

They keep offering higher end cards but then demand I pay larger payments even though I have a set payment amount. They did my annual fee charge in the wrong month and didn't even notify me. I have frozen my account and after I pay off the full amount I will never use this card again.

I have had an American Express card since 1996 and was generally happy with them until now. But then things went south with both accounts.

For what transpired with the Hilton Honors credit card, please see a separate review I have published.
This review is about the Delta-AmEx credit card, which I obtained less than a year ago. Everything was good until Oct 12 when I noticed multiple charges from Airalo Singapore for $20, $20, $4.90, and $9.90.
$4.90 was rejected by AmEx and $9.90 was never completed so it was dismissed as an abandoned transaction. All charges apparently originated from Singapore by manual entry - but their system never flagged them as requiring authorization the moment they originated (viz: $20 and $20 charges).
I disputed both $20 charges and in less than 24 hours, AmEx justified them as valid charges and reinstated them (no docs were ever provided based on which they made these determinations). After the Hilton Honors and this experience, this was the last stroke.

I have closed all my AmEx cards and would never use them again. Adios American Express!

May you learn to understand how fraud is done, how to fight fraud, how not to penalize card holders for your failings, and how to retain customers. But perhaps I am hoping too much.

After three times contacting AE, I have given up! The first time I was told all set and expect a card in 10 days. No Card in three weeks. I need to call. Oops I was told, they needed some more information, it was given ( no explanation why they didn't contact me). I was told all set. Two weeks later, another call is made (from me). Oops, they forgot one question, I answered it but they needed to start from the beginning. I had been on hold for 9 minutes. I've been a member since '91. I give up. Canceling AE completely.

Long story short, trying to transfer my points to another airline is taking me two weeks.
WEBSITE LACKING CURRENT VALID INFORMATION
The website is not updated to the required standards lacking current information (unable to transfer points online, you have to call in person) BENE TRYING THIS FOR 1 WEEK NOW LOL
REPRESENTATIVES over the PHONE (unprofessional)
Spoken to representatives who hung up on me (date in question 14/01/24) call *******@11:40 am UK time LOL

2nd REPRESENTATIVES
Unable to direct me to a higher manager for a complaint ( date in question 14/01/24) call made 11:52 spoke to Ronald or Donald unable to help me LOL

SECURITY PROTOCOL OVER THE PHONE
When trying to ring the security protocol, not responsive and not working, when entering the details correctly, the system not working having to repeat all of the information when speaking to a representative LOL

FROM ME TO ALL NEW CUSTOMERS (DON'T USE)
- points not worth the money you spend (unless you have a family of four and your outgoings are more than £3000 a month don't know waste your money on your points)

- USING YOUR POINTS FOR AEROPLANE TICKETS
If you're going to buy new tickets with your points, you need to spend above £3000 a month to make it worthwhile

-THE INSURANCE that comes with using your points, or a credit card on this AMX, it's pointless (insure Chubb security firm, a very basic very minimum insurance you will get everything has to be in your name)

I mailed 4 money orders together in a priority mail envelope. I received credit for 3 not 4. I was told their machine must of destroyed it. Now I get to wait 60 days and pay $17.30 to the USPS to get my money back. Instead of trying to help the customer service agent scolded me on the phone about how I should only send 1 payment, well you can not get money orders for over $1000. We charge a lot of money on AMEX but after this months charges are paid off we will never use the card again.