topic Re: Amex in Credit Cards

Amex

Anonymous — Sat, 15 Nov 2008 15:01:52 GMT

How would you compare American Express itself to the affliates "BOA" amex or HSBC amex , etc.?

Message Edited by camilleandbella on 11-15-2008 10:01 AM

Re: Amex

Anonymous — Sat, 15 Nov 2008 12:48:35 GMT

Re: Amex

GST2008 — Sat, 15 Nov 2008 14:08:11 GMT

Is the question, "How would you compare an AmEx card issued from American Express to AmEx cards issued by banks like BOA or HSBC?" Well to start with, you can only use both of them in places where AmEx is accepted and both of them most likely will have rewards/miles/points. The rewards program will depend on where it is from but I think they are generally comparable. I'm assuming the customer service may be a little different depending on which brand you use. Customer service for HSBC is terrible (in my opinion) but I've never had an issue with American Express (don't have BOA to compare to). American Express offers very good travel benefits and extends warranties which I don't think occurs with the AmEx cards from other lenders. AmEx also has the Gold Card events where they reserve tickets for AmEx customers which is a nice feature as well. It really depends on which American Express AmEx and which other AmEx you are comparing. I think that BOA and Citi have some fairly exclusive AmEx products that are probably superior in benefits to an entry level card with American Express.

Re: Amex

Anonymous — Sat, 15 Nov 2008 15:03:23 GMT

Thanks

Re: Amex

Anonymous — Sat, 15 Nov 2008 15:36:30 GMT

Just wanted to add that they cobranded Amex cards do offer the extended warranty. I believe it is double the manufacturers warranty up to 1 year. That's the only reason I wanted the card, but didn't want to deal with Amex themselves they way they are behaving lately, so I went with BofA.

Re: Amex

GST2008 — Sat, 15 Nov 2008 16:55:13 GMT

Your Welcome. =)

Re: Amex

Anonymous — Sat, 15 Nov 2008 17:40:34 GMT

UpUpUp wrote:
Just wanted to add that they cobranded Amex cards do offer the extended warranty. I believe it is double the manufacturers warranty up to 1 year. That's the only reason I wanted the card, but didn't want to deal with Amex themselves they way they are behaving lately, so I went with BofA.

Agreed! The extended warranty and purchase protections come from the fact that the card uses the Amex network, not the bank that issues it. Any Amex-network card offers these features.

Re: Amex

vish1 — Thu, 20 Jan 2011 22:35:28 GMT

The key difference will be customer service (including CLI) and the fact that you have amex instead of HSBC if someone has to review your report manually sometime.

Re: Amex

Anonymous — Thu, 20 Jan 2011 22:42:35 GMT

Way to necrobump.

Re: Amex

haulingthescoreup — Thu, 20 Jan 2011 23:09:39 GMT

@Anonymous wrote:
Way to necrobump.

lol, I'd never heard that term before.

I'm guessing that our new member is a victim of the rather odd search feature here, that likes to turn up ancient threads. You have to click the option to display by date to avoid this.

I'm stuck on stupid, or holding my mouth wrong, or both, or something completely different, but I never have gotten the hang of the latest version of the search function!

Anyway, for any newer members reading this (or older members, too, because it happens all the time), check out the date on a post before you decide to reply. Nothing wrong with digging one up out of the basement, but often the issues involved have changed, laws have been rewritten, and OP's (original posters) have been gone for years on these things. You might start working on out-of-date info, or keep waiting for a reply from someone who has since moved on.