AMEX just blew my mind!

[Anonymous]

Very nice.. Good job!!

[Anonymous]

AMEX is fantastic.

[Open123]

One of the better known pros of Amex.  While I'm sure all Issuers *may* resolve these kinds of disputes efficiently, based on my experiences and that of others, I just have more confidence using an Amex when making large purchases.

*Edited* PS - Amex is better, even if only because they don't have to deal with Visa/MC/Discover or any other 3rd party.  Also, their Merchant agreements are the most single sided in the history of Merchant Agreements in favor of the them, and therefore the cardmember.

[mongstradamus]

I think the reason why its so quick with amex is that they do it in house, I believe every other CC issuer goes thru an third party. This also includes extended warranty on products as well i believe.

[Anonymous]

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@Open123 wrote:

One of the better known pros of Amex.  While I'm sure all Issuers *may* resolve these kinds of disputes efficiently, based on my experiences and that of others, I just have more confidence using an Amex when making large purchases.

*Edited* PS - Amex is better, even if only because they don't have to deal with Visa/MC/Discover or any other 3rd party.  Also, their Merchant agreements are the most single sided in the history of Merchant Agreements in favor of the them, and therefore the cardmember.

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 Hm..does Discover go to 3rd party for disputes?

Also, that's pretty cool that all of AMEX's services are in house.

[Open123]

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@Anonymous wrote:

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@Open123 wrote:

One of the better known pros of Amex.  While I'm sure all Issuers *may* resolve these kinds of disputes efficiently, based on my experiences and that of others, I just have more confidence using an Amex when making large purchases.

*Edited* PS - Amex is better, even if only because they don't have to deal with Visa/MC/Discover or any other 3rd party.  Also, their Merchant agreements are the most single sided in the history of Merchant Agreements in favor of the them, and therefore the cardmember.

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 Hm..does Discover go to 3rd party for disputes?

Also, that's pretty cool that all of AMEX's services are in house.

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Discover is also a closed-loop system network, but they don't "appear" to have nearly the bias towards the cardmember as Amex.  

[LadyJEsq]

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@Open123 wrote:

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@Anonymous wrote:

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@Open123 wrote:

One of the better known pros of Amex.  While I'm sure all Issuers *may* resolve these kinds of disputes efficiently, based on my experiences and that of others, I just have more confidence using an Amex when making large purchases.

*Edited* PS - Amex is better, even if only because they don't have to deal with Visa/MC/Discover or any other 3rd party.  Also, their Merchant agreements are the most single sided in the history of Merchant Agreements in favor of the them, and therefore the cardmember.

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 Hm..does Discover go to 3rd party for disputes?

Also, that's pretty cool that all of AMEX's services are in house.

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Discover is also a closed-loop system network, but they don't "appear" to have nearly the bias towards the cardmember as Amex.  

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Whatever Discover has, it sucks! I ordered some food that was canceled, and I've been waiting about 6wks for the refund. I mean seriously, how long does it take to confirm that an order was canceled?

[Anonymous]

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@LadyJEsq wrote:

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@Open123 wrote:

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@Anonymous wrote:

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@Open123 wrote:

One of the better known pros of Amex.  While I'm sure all Issuers *may* resolve these kinds of disputes efficiently, based on my experiences and that of others, I just have more confidence using an Amex when making large purchases.

*Edited* PS - Amex is better, even if only because they don't have to deal with Visa/MC/Discover or any other 3rd party.  Also, their Merchant agreements are the most single sided in the history of Merchant Agreements in favor of the them, and therefore the cardmember.

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 Hm..does Discover go to 3rd party for disputes?

Also, that's pretty cool that all of AMEX's services are in house.

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Discover is also a closed-loop system network, but they don't "appear" to have nearly the bias towards the cardmember as Amex.  

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Whatever Discover has, it sucks! I ordered some food that was canceled, and I've been waiting about 6wks for the refund. I mean seriously, how long does it take to confirm that an order was canceled?

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Am I right!!!! Cannot agree more! LOL!....same for me, took around 8 weeks just to get a refund from their dispute process....

All I know is that I'm using AMEX for big purchases. This trumps the cashback from Disc. for me.

[LadyJEsq]

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@Anonymous wrote:

Am I right!!!! Cannot agree more! LOL!....same for me, took around 8 weeks just to get a refund from their dispute process....

All I know is that I'm using AMEX for big purchases. This trumps the cashback from Disc. for me.

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That's so true! Definitely has me eyeing an Amex CC now.

[Open123]

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@LadyJEsq wrote:

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@Anonymous wrote:

Am I right!!!! Cannot agree more! LOL!....same for me, took around 8 weeks just to get a refund from their dispute process....

All I know is that I'm using AMEX for big purchases. This trumps the cashback from Disc. for me.

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That's so true! Definitely has me eyeing an Amex CC now.

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When travelling, I just don't have the time or inclination to stay on top of charges as I normally do.  In addition, there are so many other things to keep track of, especially when travelling abroad, than to organize, track, and sort charges/receipts.  

Strange things can happen to CCs in foreign countries!  In case this were to happen, I just feel better with Amex, since it boils down to, "this is not a valid charge, please refund it."  Normally, it's really as simple as that with Amex.  Unlike with Visa/MC/Disc, no need to even contact the Merchant, who doesn't even have the "right" to present their side, unless specifically requested by Amex.

I don't leave home without it.