Poor Experience American Express - Blue, From American Express

By: NJopinion

I had a negative experience with American Express. After being a loyal customer for 4 years, paying off balances in full each month, my credit line was cut from $28,000.00 to $12,500.00. The reason I was given by an AMEX representative (who spoke extremely poor English) was that "Changes in my credit report made my account a higher risk".

The only change made in my credit report was the purchase of a home- I have not been late paying AMEX, or any other bill EVER. More recently, my AMEX card was denied for a $245.00 purchase; finding this odd, I immediately called AMEX for an explanation. The rude, heavily accented voice told me that a payment had not been received last month, so my account is being suspended until a $50 minimum payment is received. After reviewing my records, I realized I did forget to pay the bill last month- however, this is this FIRST bill EVER missed in the account! I immediately paid the balance and cancelled my account.

After being a card holder for 5+ years, I would never use AMEX again, and will be an advocate for preventing anyone else from signing up with this company. The fact of the matter is, most businesses prefer not to accept this card, and the company treats its customers EXTREMELY poorly.