@NRB525 wrote:
I am interested to hear what the specific questions are which the OP was trying to get answered.
As well, those who don’t like their response from AMEX could please clarify what they were trying to accomplish.
Recently I started a thread on an Amex issue. In that instance American Express was in violation of it's own terms and conditions. I was in compliance. In essence American Express was attempting to collect 100+ % of the paid balance. It was eventually resolved but just another Amex hassle.
There were several responses on the thread. Most defended the American Express overreach. That was disappointing. Several posters seemed to be well meaning but misinformed. Unfortunately posters who are conversant with the terms provided politician speak non answer responses tilted toward Americn Express.
There were generalizations such as all the banks do thus and so. No banks will allow such and such. I posted the t&c from American Express website. No change. Three posters were helpful commenting that they had similar situations and I was probably ok.
Lots of Kool-aide from American Express.
One person early on the thread posted that I must be trying to use cash back to pay the minimum payment. The next poster linked another thread to help me understand the minimum payment rules. I was *not* asked if I was doing a minimum payment. The whole army is out of step except American Express.
I pay in full early or on time everytime to every issuer every month. I have never done a minimum payment. I don't go into specifics now as a result of that thread. My posts can be searched if anyone is curious.
As someone born and raised in the "third world" I've been following this thread with great interest since it was started. Appreciate the belated cleanup.
I've had nothing but excellent experiences with Amex Customer Service Professionals. Either on the phone or on chat, they have always been exceedingly polite and helpful, and never fail to thank me for being a member since 1992.
Just two weeks ago during a cold snap I mistakenly left my truck's overhead light on overnight and drained the battery. I called Amex's Premium Roadside Assistance and the CSR went out of her way to help. She was able to get a company called Jack Rabbit out to me in less than 30 minutes even though I live in the middle of nowhere and demand was obviously high because of the cold weather. She ensured that I understood that the service was entirely free and that I should make no payments to the technician; then she called back after the service was completed to ensure I was satisfied with the help provided.
And although she was U.S. based, she understood my "third world" accent just fine. 
@Save-n-Invest wrote:
@NRB525 wrote:
I am interested to hear what the specific questions are which the OP was trying to get answered.
As well, those who don’t like their response from AMEX could please clarify what they were trying to accomplish.Recently I started a thread on an Amex issue. In that instance American Express was in violation of it's own terms and conditions. I was in compliance. In essence American Express was attempting to collect 100+ % of the paid balance. It was eventually resolved but just another Amex hassle.There were several responses on the thread. Most defended the American Express overreach. That was disappointing. Several posters seemed to be well meaning but misinformed. Unfortunately posters who are conversant with the terms provided politician speak non answer responses tilted toward Americn Express.
There were generalizations such as all the banks do thus and so. No banks will allow such and such. I posted the t&c from American Express website. No change. Three posters were helpful commenting that they had similar situations and I was probably ok.
Lots of Kool-aide from American Express.
One person early on the thread posted that I must be trying to use cash back to pay the minimum payment. The next poster linked another thread to help me understand the minimum payment rules. I was *not* asked if I was doing a minimum payment. The whole army is out of step except American Express.
I pay in full early or on time everytime to every issuer every month. I have never done a minimum payment. I don't go into specifics now as a result of that thread. My posts can be searched if anyone is curious.
Reading your posts that is just crazy. Why would they charge you interest on a $0 balance. And that no one wanted to fix it is more craziness. You did truely get terrible customer service.
