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American Express / disgusting service

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American Express
I signed a contract for a credit card with American Express that had a FIXED APR of 7.99%; all of the sudden "due to the economy" they have increased my interest rate to 10.99% with no opt out option. This leaves me paying 3% more for the balance on my account (all of this changed without my consent). I have never had a late payment, and they told me over the phone that my account is excellent; yet this is what they have done. I have one other credit card that is doing the same thing, but they are ETHICAL and have allowed me to cancel my account and continue paying the agreed interest rate until the balance of the account is paid off (Chase). I just wanted everyone to know that AMERICAN EXPRESS IS AN UNETHICAL COMPANY; they certainly have NO regard for their customers, nor do they abide by their contracts! Signers BEWARE!!!


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D  18th of Feb, 2009 by 
Agree Disagree +1 Votes
"Fixed" rate only applies to the fact that the APR (annual percentage rate) or what you pay in interest doesn't change with the prime rate. What you thought you had would have been called a "rate for life" in which providing the account stays current and not go over the credit line, the rate would not change. A card that has a "variable" rate changes typically three months after prime changes. Credit card companies can and do review accounts and if you read the fine print, can increase your APR without notice. This is all determined by analysts who view your entire credit picture. Keep in mind average rates right now are between 15 and 20% on most cards so even an 11% APR is well below average and one many people would love to get their hands on. I encourage you to read ALL of the material sent to you when you open a credit card as you would a mortgage, or a car loan. The information you claim to be missing is in there. Banks are, after all, companies that are for-profit, not non-profit.
A  19th of Feb, 2009 by 
Agree Disagree 0 Votes
AMEX keeps on lowering the limit on my Blue Cash card. Why? They don't want me spending too much and getting huge rebates each year. I pay this off every month. Never paid any interest. Now I pay it off at least once a week online because the credit line is so low. I have an excellent credit score and history.
A  19th of Feb, 2009 by 
Agree Disagree 0 Votes
AMEX will rip you off
A  8th of Mar, 2009 by 
Agree Disagree 0 Votes
I had the same 7.99 fixed rate with the blue card. I had the card for six years, never made a late payment and my account was in good standing. It was the card I used for most of my major purchases, so it's not like i never used it. After some back and forth with them I recently canceled my account. They increased my rate to 16.99 and then agreed to lower it to 11% variable. I refused, and told them that if they wanted to keep me as a loyal customer, they should honor the original terms of our agreement. No, I understand that they are allowed to do this and it's stated in the fine print, but that doesnt mean I'm just going to suck it up and accept these new terms. I have excellent credit and I'm sure there are other products out there that have for favorable terms. Amex is alientating longstanding customers in a time when they should be trying to keep their business. But it's not just Amex. Most other banks are doing this too. I have a Visa card with Chase with a 7.0 fixed rate. I have had this card since 1999. This month, my rate switches to a 10.24 variable rate. Wht should I keep these cards, when the banks clearly are not interested in keeping me happy?
N  29th of Jul, 2015 by 
Agree Disagree 0 Votes
----- Forwarded Message -----
From: reda moselhiy To: OPTIMA CUSTOMER Sent: Monday, 27 July 2015, 9:54 Subject: Fw: WHY IGNORING my emaiL

Dear Optima Card
I Would very much appreciate it if I could know why I cannot get the The RENEWAL CARD while I paid the Membership fee.

Thank you.

My Regards,

You’re Sincerely

Reda M. Rahman

----- Forwarded Message -----
From: reda moselhiy To: "spoof@americanexpress.com" Cc: American Express Sent: Thursday, 16 July 2015, 9:04 Subject: Fw: WHY IGNORING my emaiL

----- Forwarded Message -----
From: reda moselhiy To: OPTIMA CUSTOMER Cc: American Express Sent: Wednesday, 1 April 2015, 9:26 Subject: Fw: WHY IGNORING my emaiL

Dear Optima Amex Customer Service

I don’t understand why you are not replying to all of my email’s ? I received an mail from you dated On 2 / 16 / 15 which is about (Notice of Important Change to Your Account Terms ).

But IGNORING my email!!! ???

Until now I did not get The RENEWAL CARD, moreover the membership was paid on time but for NO CARD .

Please I would very much appreciate it to get The RENEWAL CARD.

Thank You

My Regards


----- Forwarded Message -----
From: reda moselhiy To: "spoof@americanexpress.com" Cc: "AmericanExpress@welcome.aexp.com" Sent: Friday, 26 December 2014, 4:00 Subject:

Dear Optima Amex Customer Service

I sent you before regarding my EXPIRED CARD 10/14 and until now I did not received the RENEWAL CARD .

ONLINE website is very hard to use it, I cannot find ( safe center message )

I would very much appreciate to get it.

Thank you.

My Regards,


XXXX XXXXX6 – 23008

Address for verification reason:

Jl.cempaka putih tengah 2 no. 6
Jakarta Pusat 10510

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