American Express Reviews 845

American Express platinum personal cards suddenly owed me £1,890.00 from a British Airways refund back to the card which has over 1 million points, with no notice whatsoever they suspended our main and sub card because my Mrs makes all the payments instead of me, I explained it’s normal for the Mrs to control the household and all finances. They still suspended the card saying I should make the payments after 30 years of platinum use and not her, but they forgot they told me it’s better to have and use the sub card! they then questioned my business relationship with my Mrs who is a financial director on our Ltd company. They won’t let me cancel the cards or transfer my money back to me while suspended, deadlocked. They did eventually transfer the million points from the suspended account? which they said they couldn’t do. Endless days and hours wasted on the phone, once I get the money back I’m done with this lot. 4 weeks suspension when I’ve never had one issue or debt in 30 years. I won’t deal with these type of people. They are done!

It just about does the job, but after too many frustrating experiences, I switched to a UK-based FinTech. The travel benefits are comparable, if not better, and the user experience for support and daily activities on the app is LIGHT YEARS ahead. I wish I’d done it sooner.

My experience now is a daily reminder of how far AMEX is lagging in digital services and UX. The cherry on top was that after closing my account, AMEX said the only way to get my credit refunded was to: 1) log into my account and upload a bank statement (which they know very well is inactive), 2) get my bank to send a letter on official letterhead, or 3) mail them a physical copy of my statement. Bonkers!

This process, clearly designed to discourage people from getting their refunds, was the final proof I needed to never look back. Good luck AMEX, you’ll need it.

I have just been reading Amex reviews. They are the worst reviews I have ever seen. No need for me to say how bad I think they are. It has all been said for me. I will not go into detail, as it will not make any difference. Lucky we have other cards.

Please refer to the title and look at the other feedback. I wish I had.

I was told amex was a good credit card to have with a good credit limit this is false my natwest credit card has a miles better limit iv been with them over a year with no offer of a increase and my credit rating is always going up

Gold Corporate and Platinum card user.

Once I've collected the cash back on my platinum card I will be closing the account.

Context:
- 6 months+ Amex are still unable to set up my Platinum direct debit. It is the same current account used to pay off the Gold Corporate card.
- After hours of back and forth all customer services can tell me is the process has changed, which is why they can no longer set up a direct debit. The new process is broken.
- I have had many hours wasted by Amex (including asking me to resubmit online as well as postal forms).
- Setting up a direct debit is bare minimum and should not be such a laborious user experience.
- Amex has been calling and texting me daily to set up my direct debit. I have asked Amex to stop as there is nothing I can do and I have stopped using the account, which has been ignored. It feels harassing.

Not sure where to start but to put it bluntly every time I paid a bit more towards my amex statement amex would reduce my credit limit as every time I would try to reduce the debt amount below 90%borrowing they would reduce and going through their charges are very high to put it mildly and financially they say they are there to help !!!!!!

What an awful organisation Amex UK is - 48 years a member with them and they kick me out as I did not, by just a few days, get the not-fit-for-purpose KYC form back to them - a form that asks what you do - I enter retired - move to next page and the question is 'in what type of work do you do' - Ive already said 'RETIRED' so I cant move on to the next on-line question - I try calling to speak to a representative for help during normal office hours - you die of old age waiting to speak to someone so gave up on several occasions - eventually got a rep around midnight who said he couldn't help me as he was just a night watchman but he would enter my issues on my file and someone would be in touch - nobody was so after 48 years they send me a letter saying my membership has been terminated - absolutely no concern about perhaps at my age, a lot of modern IT has passed me by - my advice: STEAR CLEAR OF THE USELESS CLOWNS.

Actually beyond words. Spoke with someone called Em, absolutely useless. Explained in detail however refused to assist me, didn’t listen and refused to escalate. Their app gives conflicting information about payments due and doesn’t update until several days after a payment is made. Hopeless.

I filed a dispute with AMEX and it took them 2 months to get back to me and tell me there is nothing they can do because they couldn't find the information I sent them regarding my dispute. I explained to them it was in the previous email I sent and once they managed to find it, it then took them an additional month to tell me they are still unable to help me. Extremely poor customer service

Customer service is shocking with generic answers and nothing account specific. Never give rewards as promised or advertised. Takes months to resolve issues and passed from pillar to post . Then puts a stop on the card when you try to use it , as you are supposedly spending more than normal!!!!! Not anywhere near your account limits . Absolutely the worst card provider and definitely the worst value for money .

American Express has become a complete joke. What used to represent strong credit and financial flexibility now feels entirely misleading.

My business has held an American Express Platinum card for years, paying the £650 annual fee without fail. We have an excellent credit history, both with American Express and other providers, and have always made payments on time. The main selling point of the Platinum card is that it supposedly has no preset spending limit, giving you flexibility when you need it.

However, after not using the card for some time, I made a relatively small purchase of around £800. Immediately, I was bombarded with emails and text messages warning that if I didn’t make a payment right away, future transactions would be declined.

When I contacted customer service via chat and phone, the experience was even more frustrating. The representatives I spoke with, Rachel and a senior staff member called JR, seemed to have no clear understanding of the situation or why this was so disappointing.

It is unacceptable to pay such a high annual fee for a “premium” card that turns out to be unreliable and restrictive. Despite claiming there is no preset limit, they effectively impose one based on usage—yet refuse to clearly disclose what that limit is.

So in reality, you can hold the card for years, continue paying the £650 annual fee on time, and yet be left with a spending limit of effectively £0 simply because you haven’t used it regularly. That is what they call “flexibility.”

This completely defeats the purpose of having a Platinum card. For a long-standing, loyal customer with a perfect payment history, this experience is both disappointing and infuriating.

Get AMEX card if you want to experience finance as if it was the 00s. If youre used to modern UK banking apps AMEXs is an absolute joke. They make it hard to setup direct debit requiring extra forms, high fx fees, cant see cc information in app, payment due notification not enabled by default, even the card pic is blurry. You must be getting some epic rewards if you put up with this backwards CC service, is it really worth it?

I attempted to make a payment and unexpectedly received a notification stating that my credit limit had been reduced by 60%. This is entirely unacceptable and inconvenient, as it renders the card unusable precisely when needed.

I had an American Express flying blue platinum card in the Netherlands for years. Paid regularly bills of several thousands euro a month. I moved to the UK, applied for a new card, referencing my other card in the application. They want more information (salary, proof of residence, god knows what). After one day, they call me to tell me to submit the information. I say I'll do it when I have time. After two more days, they call again. I say I will do it today or tomorrow. They cancel my application. What a way to treat a customer.

Absolutely discusted with customer service .ive been with american express for 22 years and I needed a bit of hrlp snd support with payments for my credit card after my husband passed away and they didn't want to help .please don't use this company no compassion at all .

Terrible customer service. Everytime you speak to someone on their team, they tell you something completely different and make up timelines as they go.

I have been waiting for an important refund for more than a month now. They said it is processed on their end and every day they ask me to wait 24hours. This is ridiculous. Some agents are not very nice and seem to not bother about the complaints. Been client with them for more than 9 years now and will definitely close my account and move to a competitor,

Customer service has gone seriously downhill. Will block your card for no apparent reason, ask for statements of income etc when I have had an Amex account for probably a decade and NEVER (not once) not paid off my statement in full every month. Last year or so the service has gone completely down the toilet! I made a complaint and even got a complaint reference number only for them to not even recognise the complaint after… despite me having proof there was a reference number.

Complete mess. If you’re considering joining Amex, would avoid!

Card was constantly bombarded with fradulent transactions (never happened on cards with other companies). Customer Service reps dont help on the chat then hang up so you start again.