American Express reviews and complaints 1
View all 440 complaintsAmerican Express - statement payment date
1. Statement was dated as closing on 01/28/2011 but was received on 2/7/2011.
2. Changes announced with the Statement that was 11 pages long changed the terms of that payment due date to 10 days after the closing date of 02/13/2011.
3. Last month the due date was 25 days after the closing date.
If I hadn't picked that up I would have been charged a penalty and possibly a rate change.
They effectively change the payment due date which is against the new rules. They should have changed the statement closing date.
The complaint has been investigated and resolved to the customer’s satisfaction.
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American Express did not really need to make any changes to their clarity around the payment due date based upon credit card legislation in 2010. Instead, effective January 1, they have now removed two dates from their statements. 1. The billing close date, and 2. The payment due date. They have replaced these dates with a "please pay by" date which according to AMEX is a request for those sending checks in the mail. This date gives the check mailer sufficient time to mail their check and get it to AMEX before the real payment due date.
Their interest terms still indicate the 25 days after billing date prior to interest being charged. However, since they do not provide the billing date any longer, it is difficult to even monitor when interest is being charged - let alone when your payment is really due.