Avoid this product. David Jones American Express application was so bad, I have top credit rating however they treated me like a criminal. They have no idea of processes or even basic customers service.
Disappointing, frustrating, incompetent and so on.
I applied for a Low Interest credit AMEX card, just the basic one, and I thought I could transfer my balance from my ANZ card, which had a higher rate. I filled out the application online and it was approved literally straight away. There was absolutely no indication of any problem or difficulty, so I thought the whole thing went through. A couple of days later I got a letter from the bank saying I was approved to transfer only a fraction of my request to the AMEX card, which was approved for a totally ridiculous 1000 credit limit only!! Even a high schooler would have received more, I think, with no income whatsoever. Once I received the letter and the card, I rang up straight away and wanted to cancel the deal. I was advised the credit limit cannot be changed since it's done by the machine, then also the transfer of the amount cannot be stopped, since it is also done by the machine, regardless of if you accepted the offer or not!! You would think, if you don't get what you applied for, someone will give you a call and let you know, and try to find out if you still want to go ahead with the deal or not. I mean, this would be a proper customer service procedure. They "assumed" - or the machine assumed - it is OK just to go ahead. I rang immediately, I cancelled my card, which was not even activated. It also makes me wonder how a balance can be transferred to a card which is not even active, but as I was told again, the machine is doing it. Yap, they cannot interfere with the machine! They cannot help me, sorry. I felt like I was going to explode, I was so bloody frustrated. AMEX shame on you, a ridiculously, inadequate, inefficient and incompetent lot. I advise not to start with them. I will never again, for sure.
An American express person told me over the phone in November the last date to use the travel credit is the 14th of Feb 2020. On the 12th of Feb 2020 I was trying to book a hotel with me travel credit but American Express told me I no longer have the travel credit. And this time they told me last day to use the travel credit was January 2020. I lost my 400 AUD by the misinformation given to me. It is a total fraud. Plus I wasted 2 hours explaining this to American Express but no results. Waste of time and money.
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