To all Amex Card holders I suggest you make yourself aware of the disguised and poorly worded T&C's relating to ALL Amex offers. Their very recent "Amex Card delicious month" promotion allows your registered card to only partake in the 20% credit offer at a participating restaurant on virtually only ONE restaurant as it has a max. credit value of $25 per CARD...NOT PER RESTAURANT. Yes, their T&C's tell you this, however the terminology is very poorly worded. I spent a further $300 at 2 more restaurants and received NO CREDIT as I had already used my allocation on an earlier restaurant. Crazy situation..you would think Amex wanted you to use your card! ..not so apparently.
Not my first review for AMEX. Gold Card over 40 years of loyalty. Again they they are giving 5 days to pay or charging you a penalty. Initially, it was 1 month then 2 weeks NOW 3-5 days. Unreasonable and unprofessional. Result of contacting them and asking why no date stamp on envelope they read a script and then HANG up. 0/100 for professionalism.
Will not recommend Amex Platinum card. Use to be $1200 annual fee then it increased to $1450 and the benefits decreased. Before it was 1 to 1 Qantas point but now it's 2 to 1 Qantas point. Contacted customer service asking about reduce fee or better benefit during the Covid-19 period where we can't use our travel credits, lounge benefits, hotel stays etc. All I get was a cut and paste responses and said they understand what I am saying but their benefits are awesome and they will do nothing more. Worst credit card provider ever. Only know ways to milk their existing customers.
I'm able to accumulate Qantas Frequent Flyer points at the same time I'm making purchases and paying regular bills such as insurance, rates, water. I really like their partner offers and bonus points.
Bad customer service. I wanted to change my credit limit recently as I incorrectly increased it but their policy states you can only increase your limit every 180 days so I have to wait another 180 days to change the limit. If you want to raise a complaint you have to physically post a letter and then the team leader of the customer service department wanted to argue with me that it takes the same amount of time as sending an e-mail.
I have used Amex credit card for the last ten years. 1. Not many small businesses accepting Amex! You can never trust it and you need to have a backup plan for payment. 2. They block your card with a drop of hat with the excuse of "preventing fraud", when you are there right at the time of payment, frustrated and happy to provide any opportunity to prove this is a genuine transaction, no one helps and even you never get any sympathy or apology (UK experience, March 2018). 3. The flight bonus is a joke! You need to purchase the ticket from the website they have affiliation with, and you realise the price of the ticket is way higher than the usual market, even after taking the Amex points and credit into consideration! 4. For tax purposes, I needed the last five years bank statements in "CSV" format, whilst NAB, Westpac and all other banks happily provide facility to access at least the last seven years, Amex even does not try and states their system does not allow beyond 18 months! In summary, Amex at any possible opportunity proves that it is not trustworthy, leaves the customer unsupported at the time of need and the points are useless. In an attempt to be fair, I have provided the feedback to the customer service as well.
Every month I have issues with them. When making a payment it took more than a week to payment reflect into my account and although it was there fault they reduced my limit. Stay away!
Be aware of the Qantas promotional offers (eg.100000 points). Amex added $8,000 worth of false charges to my card during the promo period and took so long to remove them that I was forced to book an overseas holiday and spend on another card as the amex one was suspended. Amex took so long to rectify the mistakes then refused to honour the promotion, only asking me to spend more money on the card within 2 weeks as I was $800 short. This was not possible as I had just returned from an overseas holiday so they refused to honour the agreed promotion. Long story short, never got the 100000 points (sorry Qantas) and have had numerous random charges to my card since that were mistakes. Be very Careful with this card and check your statements constantly!
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