American Express

teer · ‎08-30-2022

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!

pizzadude · ‎08-30-2022

@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 ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

K-in-Boston · ‎08-30-2022

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

bigseegar · ‎08-30-2022

@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

DSTforlife · ‎08-30-2022

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

Remedios · ‎08-30-2022

@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?

Remedios · ‎08-30-2022

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

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

Lou-natic · ‎08-30-2022

@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.

8/8/25

2/16/26

ptatohed · ‎08-30-2022

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.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

learningcredit54 · ‎08-30-2022

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.

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