I am a little behind on my credit card payment but I still pay them more than the minimum payment. This morning I got an unexpected call from them @ 8 AM. I got the call and I told the lady that I am still sleeping. She completely ignored and keeps telling me that I owe them money. I am planning on cancelling my American Express. Fxxking stupid credit card company.
Fxxking American Express!!!
- Thread starter hornykid
- Start date
They will call you 10 times a day when you are one day late.
So my advice to you is: pay the minimum on time (cause they sure don't care that you paid more) and avoid the hassle, or enjoy the calls!
So my advice to you is: pay the minimum on time (cause they sure don't care that you paid more) and avoid the hassle, or enjoy the calls!
It is really annoying though. Don't they have a company policy? Or that is their company policy to call the customer until they paid in full? Don't they know that they make money when we use the credit card? I love using Amex because it can earn aeroplan miles. On the other hand, they use telephone to harass you like hell.
They're good for business use or just plain showing off, but not as many merchants accept AMEX as they do VISA/MC.
Had gold AE for 22 years and never had an issue!!! Always pay off credit cards anyway, interest rates are obscene and a line of credit is much cheaper!!
hornykid said:
LOL! Hey, I'm still sleeping. That's a good one. Really though. If you are a little behind, pay the minimum. Otherwise pay more than the minimum before the due date. I don't know if AMEX has centers that allow a person to make a payment in person, like some banks (that I recently found out). Another good way if you are paying off a partial amount is to send it Express Mail (make sure the express mail service allows delivery to P.O. Boxes, otherwise use the address AMEX provides for your account by calling their 1-800 number) and use the AMEX card to pay for the mailing service. Like a non-interest bearing roll-time cash advance on it listed as a purchase (good Hilton HHonor points too for SP visits later too girls, so I can have a suite and not pay for it).
Also, if you have a payment coming, call them! They can make a notation on your account that you have made a payment and to not zap you. When you call AMEX, their system says "For security, I see that your phone number matches our records". You know what that means. Ring! Ring! Ring! if you get on their dark side.
I find AMEX to be the best CC company out there at this time, if you are on their good side. Discover is another one. Bank of America, not too good as they just raise interest rates at their leisure with an F-off A-hole attached to the statement even if everyone pays on time or pays in full. BoA has an attack the customer attitude IF you get competitive credit cards from other companies. That's what I found. Although BoA do allow payments at the branches, which can be really convenient.....again, I just found out about this last week sending checks for years when I had an issue with a postal delay.
Gyaos.
hornykid said:
AMEX is not a credit card. It is a charge Card and the balance has to be paid off in full every month. Simple as that. I have had an Amex card for a long time and never had any problems with them even when I was late paying. Maybe your credit rating just sucks.
Never Away from Home without It
I love American Express........and that fact that it does not put limit on my credit purchase. Been with them for years........gets me good Aeroplan mile program........and like that fact that I must pay in full every month. Is like a cash card but keeps me on my toes about spending.
Yes, you can pay at the American Express Travel Agency places. Used to be one downtown on Yonge near Queen street......just check the Yellow Pages.
They lowered their standards with Costco accounts........and allowed monthly payments and one to run a debit. BAD idea and it is card that some merchants do not like, as slower in payments and charge them more too. Howver, it also brings a certain credibility to store.
It is great, Gold and new Platinum One, that you pay yearly fee, if you travel a lot and gets you good upgrades and service for theatre tickets and hotel upgrades. I use American Express always when travelling.
I love American Express........and that fact that it does not put limit on my credit purchase. Been with them for years........gets me good Aeroplan mile program........and like that fact that I must pay in full every month. Is like a cash card but keeps me on my toes about spending.
Yes, you can pay at the American Express Travel Agency places. Used to be one downtown on Yonge near Queen street......just check the Yellow Pages.
They lowered their standards with Costco accounts........and allowed monthly payments and one to run a debit. BAD idea and it is card that some merchants do not like, as slower in payments and charge them more too. Howver, it also brings a certain credibility to store.
It is great, Gold and new Platinum One, that you pay yearly fee, if you travel a lot and gets you good upgrades and service for theatre tickets and hotel upgrades. I use American Express always when travelling.
Yes, the centurion black AE. Rather cool looking... card limit is still there though, depends on your past spending/charging pattern; if the card holder is P Diddy or B Spears...etc, then it would vary.
Mine is just a simple personal gold with airmiles, and yes, there is minimum monthly payment option listed right on the monthly statement.
May be the poster is a relatively new card member. Usually they don't freeze the card for a single late payment, afaik.
As mentioned, very good customer service.
Mine is just a simple personal gold with airmiles, and yes, there is minimum monthly payment option listed right on the monthly statement.
May be the poster is a relatively new card member. Usually they don't freeze the card for a single late payment, afaik.
As mentioned, very good customer service.
I have a platinum card and its not really a show off card. The only good thing is you get a point and a half for every dollar and you can convert 1 AE point to one aeroplan point. That is the only good thing about the card. The fact is they work for the retail store and not for you. They also charge way more to the retail store than visa or MC and that is why somes place won't carry AE.
olga69 said:
Amex has different cards available. I had one about 10 years ago and could carry a balance like any other credit card
Amex sucks!!! When my mom was terminally ill I took a leave of absence from work only got the EI compassionate care benefits. Due to this I became late on a few payments. I told amex my situation and they didn't give two shits. They jacked the rate up to 23.99%. I complained to no avail and actually was treated rudely like they probably do with every other delinquent. This was all after having the card 5+ years and using it very responsibly. I will never use them again and I have told all colleagues and clients to boycott them.
goodtime
Travelaholic
goodtime
Travelaholic
Got one for same reason. But MC/Visa more widely accepted. Not as many AE merchants in rural Asia & smaller EU stores.Mistress Kyla said:
AE Asia is launching aggressive campaign in Singapore with many special purpose AE cards.
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