topic Re: American Express in Credit Cards

American Express

teer — Tue, 30 Aug 2022 17:29:56 GMT

Is it just me r there must be others that hate America express? I have a lot of credit cards! 3 with American Express they do what ever they wants with your account, they will drop your limit as they pleases. I have cards with 41,000, 25000,17000, 15000 and more. I'm just here to let you guys know to stay away from America express!

Re: American Express

pizzadude — Tue, 30 Aug 2022 17:37:22 GMT

@teer wrote:
Is it just me r there must be others that hate America express? I have a lot of credit cards! 3 with American Express they do what ever they wants with your account, they will drop your limit as they pleases. I have cards with 41,000, 25000,17000, 15000 and more. I'm just here to let you guys know to stay away from America express!

If you've experienced AA such as cutting credit limits on your AMEX accounts I'm assuming they've given reasons via email or snail mail, as required by law. What did they provide you ?

Seems like you're also unhappy with Capital One. Do you have recent lates or returned payments with any creditors, or any other derogatory items on your credit reports ?

Re: American Express

K-in-Boston — Tue, 30 Aug 2022 18:09:50 GMT

I've only had their cards for a couple of decades, but so far I haven't had any issues.

Re: American Express

bigseegar — Tue, 30 Aug 2022 18:17:31 GMT

@teer wrote:
Is it just me r there must be others that hate America express? I have a lot of credit cards! 3 with American Express they do what ever they wants with your account, they will drop your limit as they pleases. I have cards with 41,000, 25000,17000, 15000 and more. I'm just here to let you guys know to stay away from America express!

Nope and if you have issues with AmEx (and Cap1 as well for AA) then that's 100% on you and your credit actions. They are both in the business of loaning money via their cards. So if they lowered your limits that because of you and something in your credit profile. I say this having been Blacklisted by Amex for 19 years, from 2002 to 2021 after having been a Member since 1984 and it was 100% my fault. I now have 6 AmEx cards again and even after me on their BL for those 19 years, I'm thankful credit wise for them

Re: American Express

DSTforlife — Tue, 30 Aug 2022 19:44:14 GMT

sometimes i feel posts like these are people trolling. #dontfeedthetroll

Re: American Express

Remedios — Tue, 30 Aug 2022 19:45:18 GMT

@teer wrote:
Is it just me r there must be others that hate America express? I have a lot of credit cards! 3 with American Express they do what ever they wants with your account, they will drop your limit as they pleases. I have cards with 41,000, 25000,17000, 15000 and more. I'm just here to let you guys know to stay away from America express!

But...but...but... you kinda copypasted your own rant/vent

Do you pick a lender for BEWARE!!! every couple of years, or is it just whomever is doing CLD that day?

Re: American Express

Remedios — Tue, 30 Aug 2022 19:57:27 GMT

I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!

Re: American Express

Lou-natic — Tue, 30 Aug 2022 20:02:58 GMT

@teer wrote:
Is it just me r there must be others that hate America express? I have a lot of credit cards! 3 with American Express they do what ever they wants with your account, they will drop your limit as they pleases. I have cards with 41,000, 25000,17000, 15000 and more. I'm just here to let you guys know to stay away from America express!

This is supposed to be a joke right? like haha? I'm going to go out on a limb and say AMEX has far more credibility with most credit card holders than probably every other credit card issuer, maybe combined. They are the "gold standard" of credit cards, An awful lot of people go out of their way to get AMEX cards. There is a reason for this.

Re: American Express

ptatohed — Tue, 30 Aug 2022 20:50:03 GMT

I have no interest in AmEx. But I don't hate them, nor would I recommend someone stay away. For me, I don't travel much, I hate annual fees, I like true cash back, I don't like points, I like cards that are accepted everywhere, etc. But I know AmEx cards are loved by many. I see no need to diss them.

Re: American Express

learningcredit54 — Tue, 30 Aug 2022 21:57:48 GMT

Not sure if you are trolling or whatnot but I will chime in my own experience.

American Express is honestly the creditor I am happiest to be on good terms with (right next to Chase). Although the limit on the credit card was low (lowest of all cards approved after decent profile) atleast they opened up that path for me after having issues with them around 10 years ago. They also granted me the charge cards which I use heavily. Their customer service is only a chat away which is also a huge plus for me. If there are credit decreases I would think something about your particuliar profile spooked them.

Re: American Express

AwsiDooger — Tue, 30 Aug 2022 22:37:20 GMT

@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!

We might as well go around the horn. My contempt is toward Wells Fargo. That's the only company that rejected me, after sending dozens of applications by mail. I finally gave in and applied. They put me on a pending list and asked for a financial statement. I provided 3 months worth, with plenty of digits. They did nothing for weeks. I called. The supervisor rejected me, with a scattergun list of reasons that made no sense. I received a rejection letter 3 days later that was mailed prior to that phone call, and included a set of entirely different reasons. Nothing on one list matched the other list, and they didn't even have a vague relationship to each other.

Wells Fargo has no idea what it is doing. Making it up as they go along. They also do not have a shred of integrity or decency. I asked them to return the financial statements. They agreed multiple times but never did it. I asked to be removed from their mailing list. They insisted my name was zapped and I would never receive anything again. That was a flagrant ongoing lie. I continue to receive applications from them, including this week...for the identical card they rejected.

Re: American Express

Anonymous — Tue, 30 Aug 2022 22:55:22 GMT

@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!

Frankly, it's all the customers that get on my nerves. Give them a nice card, and they whine about the design, want a PC, CLI or APR reduction, then complain if a few things post late, or they don't get rewards when they think they should, complain about trailing interest, God I could go on and on and on. If it's such a problem, just start your own bank/CU and issue cards that you like and then see just how much your new customers appreciate you!

Basically the sooner we get rid of these leeches who just want credit either because of poor financial planning they don't have the cash or are just greedy for rewards they haven't worked for, the better off we will be. I'll mention this at the Issuers 'R Us clubnight next week.

Re: American Express

Remedios — Wed, 31 Aug 2022 01:11:36 GMT

@Anonymous wrote:
@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!
Frankly, it's all the customers that get on my nerves. Give them a nice card, and they whine about the design, want a PC, CLI or APR reduction, then complain if a few things post late, or they don't get rewards when they think they should, complain about trailing interest, God I could go on and on and on. If it's such a problem, just start your own bank/CU and issue cards that you like and then see just how much your new customers appreciate you!

Basically the sooner we get rid of these leeches who just want credit either because of poor financial planning they don't have the cash or are just greedy for rewards they haven't worked for, the better off we will be. I'll mention this at the Issuers 'R Us clubnight next week.

That's what Wells Fargo said ...

So, they issued cards without customers knowing, they cannot complain about what they don't know.

Then, BoA, Amex, and US Bank wanted a piece of that meatl card.

I changed my mind

WHOMEVER ISSUES VERTICAL CARDS IS THE WORST. BEWARE!!!

Re: American Express

Credit12Fico — Tue, 30 Aug 2022 23:22:45 GMT

@Anonymous wrote:
@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!
Frankly, it's all the customers that get on my nerves. Give them a nice card, and they whine about the design, want a PC, CLI or APR reduction, then complain if a few things post late, or they don't get rewards when they think they should, complain about trailing interest, God I could go on and on and on. If it's such a problem, just start your own bank/CU and issue cards that you like and then see just how much your new customers appreciate you!

Basically the sooner we get rid of these leeches who just want credit either because of poor financial planning they don't have the cash or are just greedy for rewards they haven't worked for, the better off we will be. I'll mention this at the Issuers 'R Us clubnight next week.

I cackled .

Re: American Express

Suzette2 — Tue, 30 Aug 2022 23:28:03 GMT

@K-in-Boston wrote:
I've only had their cards for a couple of decades, but so far I haven't had any issues.

I'm loving them

Re: American Express

Suzette2 — Tue, 30 Aug 2022 23:31:46 GMT

@Anonymous wrote:
@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!
Frankly, it's all the customers that get on my nerves. Give them a nice card, and they whine about the design, want a PC, CLI or APR reduction, then complain if a few things post late, or they don't get rewards when they think they should, complain about trailing interest, God I could go on and on and on. If it's such a problem, just start your own bank/CU and issue cards that you like and then see just how much your new customers appreciate you!

Basically the sooner we get rid of these leeches who just want credit either because of poor financial planning they don't have the cash or are just greedy for rewards they haven't worked for, the better off we will be. I'll mention this at the Issuers 'R Us clubnight next week.

Dam 😂😂😂

Re: American Express

wingennis — Wed, 31 Aug 2022 01:52:55 GMT

Vertical cards do suck

@Remedios wrote:
@Anonymous wrote:
@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!
Frankly, it's all the customers that get on my nerves. Give them a nice card, and they whine about the design, want a PC, CLI or APR reduction, then complain if a few things post late, or they don't get rewards when they think they should, complain about trailing interest, God I could go on and on and on. If it's such a problem, just start your own bank/CU and issue cards that you like and then see just how much your new customers appreciate you!

Basically the sooner we get rid of these leeches who just want credit either because of poor financial planning they don't have the cash or are just greedy for rewards they haven't worked for, the better off we will be. I'll mention this at the Issuers 'R Us clubnight next week.

That's what Wells Fargo said ...

So, they issued cards without customers knowing, they cannot complain about what they don't know.
Then, BoA, Amex, and US Bank wanted a piece of that meatl card.

I changed my mind

WHOMEVER ISSUES VERTICAL CARDS IS THE WORST. BEWARE!!!

Re: American Express

PDXoriginal — Wed, 31 Aug 2022 02:38:06 GMT

Weird... my amex is my oldest card, i have had one for a little over 20 years now, and never once have I experienced adverse action from them.

Oddly I have chase and citi cards over 15 years old, no addverse action from them. Gee I suppose

i am just lucky.

Re: American Express

7774x — Wed, 31 Aug 2022 03:43:26 GMT

@learningcredit54 wrote:
Not sure if you are trolling or whatnot but I will chime in my own experience.
American Express is honestly the creditor I am happiest to be on good terms with (right next to Chase). Although the limit on the credit card was low (lowest of all cards approved after decent profile) atleast they opened up that path for me after having issues with them around 10 years ago. They also granted me the charge cards which I use heavily. Their customer service is only a chat away which is also a huge plus for me. If there are credit decreases I would think something about your particuliar profile spooked them.

Lol .. Ya hear Amex this, Amex that ...if you happy with them..fine ..They have a particular way of jamming some of their customers ..these frustrating posts detail that by some here...Criticize these posters...but remember you may be in their position sometime in the future

Re: American Express

TheRedHat — Wed, 31 Aug 2022 05:51:03 GMT

@Remedios wrote:
I don't want to waste a thread so..

BEWARE NFCU IS THE WORST!!!111!!!!

I don't really care for NFCU's cards because every time I used them, I almost always would get flagged for fraud because I lived in a location where traveling between three different states for your work and your shopping needs was completely normal. So I constantly had to call and verify who I was or I had to constantly put my card on a travel alert whenever I wanted to go shopping. After they completely shut me out of all my accounts and I had to call and verify who I was again, I said forget it. No more NFCU.

Wait...we're talking about American Express? Oh. Um... Well, they're pretty cool.