Maximise your Avios, air miles and hotel points

Forums Payment cards American Express Amex decided to cancel all my cards

Amex decided to cancel all my cards

Reply
  • Alex V

    Just received an email from amex that following an internal review, we have decided to give two months notice of cancellation to the card account. Tried to call them, but as expected, no further details can be given. Been with amex since 2016, currently have a gold card and BAPP. I actually tried to close gold card a couple of months ago when applied for BAPP, but amex offered 20,000 points to keep the account open and I agreed.
    The only reason I can see they might cancel, is that I almost triggered a 2-4-1 voucher in just under two months, but I always had quite big spending on amex so not sure why they close for that reason.
    Any ideas?

    NorthernLass

    I think people have previously appealed against these decisions or persuaded Amex to have them back in the long term. But yikes, I hope this isn’t the new Creationgate!

    Lady London

    Alex V this is really interesting. Sad for you of course?

    Can you help us? Were you actually doing anything that could have been considered abnormal or naughty? Do you think you could be a relatively unprofitable customer for them, for any reason? Is there anything in your profile that could have triggered this?

    Alex V

    The only unusual transaction I can think of was a work related expense for ~$5,000 in December.
    But it went to a reputable business and amex got quite good FX fee.

    Actually I just checked, and they did block my cards. It was just £100 until I’d received my voucher which I now won’t get.

    Alex V

    Another potential red flag I can think of is I used an FT offer on each card (Spend £30 or more, get £25 back). I had it on each card and on each supplement card (my wife is a supplement card holder). Not sure if it counts as abusing the offers?

    Rob
    HfP Staff

    Amex wouldn’t put offers on multiple cards (especially on supps and main cards) if it didn’t mind you using them more than once.

    Have you been doing anything re referring yourself for cards or referring your wife?

    • This reply was modified 52 years, 1 month ago by .
    Alex V

    For a long time I was an amex gold user and my wife had a free BA card (actually just checked with her, her card also been cancelled today).
    In November my wife referred me for a BAPP, given it was more than 2 years since I had any BA card. As I spend ~£20k a year on amex card, I triggered 40k avios bonus quite quickly. And I almost triggered the voucher, just £100 left to spend, which I suspect is the reason amex cancelled my card.

    Entitled

    Have you been doing anything re referring yourself for cards or referring your wife?

    Why would referring a spouse be a problem?

    George K

    For a long time I was an amex gold user and my wife had a free BA card (actually just checked with her, her card also been cancelled today).
    In November my wife referred me for a BAPP, given it was more than 2 years since I had any BA card. As I spend ~£20k a year on amex card, I triggered 40k avios bonus quite quickly. And I almost triggered the voucher, just £100 left to spend, which I suspect is the reason amex cancelled my card.

    None of these things sound shady to me.

    NorthernLass

    Didn’t a regular (though not seen him for a bit) on here get shut down for excessive use of Shop Small?

    Ladyshopper

    Amex wouldn’t put offers on multiple cards (especially on supps and main cards) if it didn’t mind you using them more than once.

    Have you been doing anything re referring yourself for cards or referring your wife?

    Why would referring your wife (or husband) be a problem Rob?

    Rui N.

    @NorthernLass, Genghis did, but eventually got his cards back after an appeal.

    He did post on the Creation thread this week, but also said somewhere that the forum format did not appeal to him.

    • This reply was modified 52 years, 1 month ago by .
    Alex V

    Other than FT I haven’t used promotions extensively. This year I didn’t manage to make a single shop small transaction.
    Would be interesting to read how an appeal process works.

    Steven

    @NorthernLass, Genghis did, but eventually got his cards back after an appeal.

    He did post on the Creation thread this week, but also said somewhere that the forum format did not appeal to him.

    Is that an actual breach of terms? Guessing not given he was successful on appeal but seems an incredibly harsh position for AMEX to take if it was just that.

    Rui N.

    Yes it is. @JDB (on the Creation thread) even pointed out today a case that reached the FOS exactly because of that. And the customer lost: https://www.financial-ombudsman.org.uk/files/267479/DRN5311667.pdf

    DonLee

    Did they close your accounts immediately? May think to move my large amount of points out just in case anything happens.

  • You must be logged in to reply to this topic.

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.