@Anonymous wrote:
@Remedios wrote:
@Anonymous wrote:
@Anonymous wrote:
The lesson here is never take statement credits. Instead deposit it to your bank account. Even if you then use it to pay the bill. It's always simpler that way.
I think the lesson here is to just avoid Amex. When you earn cash back, it should be your decision how and what you use it for. I can understand not allowing it towards the minimum payment due but anything outside of that is a totally ridiculous restriction! I would be fuming mad like the OP too.
ETA: Now that I got to the end, I see that’s not even a reasonable option either so that makes this whole thing even more ridiculous!
While this is very unfortunate, it's really not a reason to avoid Amex.
It's clearly spelled in terms and conditions (stuff just about no one reads).
I view it more along the lines of 'Lesson learned'
What exactly is the lesson here? This has yet to be resolved for the OP. Still waiting to see if Amex canceled the payment that was sent and if they do if interest gets assessed on a balance that equals the cash back redeemed when the statement balance was paid.
There is no lesson to be learned when the resolution isn’t even there. I would be quite mad right now. I hate wasting my time speaking on the phone to begin with but when the issue isn’t resolved, it’s infuriating.
It appears that the payment was cancelled. Last evening the statement balance was zero. The current balance and minimum payment remained zero as it was before.
This morning the statement balance was $37 and change with the notice that payment is due in 4 days. Current balance and minium payment are zero. I will just let this play out and see what happens.
When I phoned yesterday to inquire the rep was discourteous. I got the deadbeat treatment. She went to "do you want to pay with your checking account ending in XXXX?" I agreed to do that. She told me she had to get a disclosure to read to me. I was placed on hold. She returned and began to read "the payment cannot be cancelled blah, blah blah". I agreed since I was informed by her that there was a payment due.
I phoned later and spoke to another rep chosing the question charge option. He was amused that I repayed a cash back reward. He volunteered to cancel the payment and apologized for the previous rep.
The frustration with American Express is the lack of consistency when speaking to phone reps. Either there is/was a payemnt due or not. One rep was correct. The other was misinformed.
I'll find out soon enough.
American Express has a long way to go in training phone reps on basic information. A customer who askes if there is payment due and is willing to pay should not be disrespected by the rep. IMHO. They got paid. What else do they want?
Amex pulled Experian 1/30/2019 823. That's not an accident.
