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

Amex decided to cancel all my cards

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  • Alex V

    They blocked both cards and set them to be cancelled in two months period.
    I called and asked my gold card to be cancelled immediately. The only reason I kept it open is that amex persuaded me by giving 20,000 points when I called to cancel. And I felt bad to cancel after that gesture, but now see no reason to pay for extra two months when I can’t even use it. Residual points on the card were moved to Nectar during the close. The only downturn is that I would have extra 10k points in summer when it’s time to renew the card, as I already hit annual spending target.
    With BAPP it’s much trickier, given I counted on the voucher, so not sure if I should complain to FOS. As per a similar case referenced in #306129, FOS does consider such cases, and as I haven’t abused the rules (at least I believe so), I should have better chances?

    I have no reason to think I would have my two Amex cards closed but if that happened what happens to the MR points accumulated to date? I have about 70,0000 on an Amex Rewards card and 17,000, plus 10,000 to come for passing the 10k spend on a Gold card. I’m not going to panic move them out but would like to know whether there is a potential risk of losing those points earned to date.

    I had under 1k points on the gold card (as I normally move everything to BA), and the lady on the phone offered to transfer them to Nectar. As I understand it was the only option for under 1k, otherwise I could move to BA or other places. So don’t worry about the points.

    Alex V

    When you called to close the Gold, why did you not ask them for the basis of their decision? That seems more useful than strangers on the internet guessing.

    Until this is a pattern, and verified by others, I see no reason for people to start panicking.

    I first called on the number in the email (+44 (0) 1273 868900.) and asked about the reason, they said they can’t say.
    After that I called to cancel my gold card and also asked, and got absolutely the same answer.

    Andrew J

    So they closed your BAPP but not your Gold and then you called to cancel your Gold anyway?

    Entitled

    When you called to close the Gold, why did you not ask them for the basis of their decision? That seems more useful than strangers on the internet guessing.

    Until this is a pattern, and verified by others, I see no reason for people to start panicking.

    Credit card providers or banks usually avoid giving any reasons as this can come back to bite them in a legal case. They don’t have to. They just provide the legally required notice period and close the accounts. Why do you think the Creation thread is 25 pages long?

    Because people take themselves too seriously and lack perspective?

    Benilyn

    Yes, it’s a recognised business headquartered in the UK. I’ve been with this employer for a very long time.
    At this moment I think the most likely reason is that I had to pay for a work related service from my card and reimburse it through my employer, but again I don’t see a big difference with the business trips, I always charged quite expensive flight and hotels on my personal card.

    Do they know anything about it being reimbursed?

    SteveJ

    So they closed your BAPP but not your Gold and then you called to cancel your Gold anyway?

    OP said they notified him they’d be closing both in 2 months and blocked any usage.

    Andrew J

    So they closed your BAPP but not your Gold and then you called to cancel your Gold anyway?

    OP said they notified him they’d be closing both in 2 months and blocked any usage.

    Seemed odd to call to close the account then, that’s why I was a little confused about what actually happened. (As an aside, why do you assume Alex V is male?)

    HertsSam

    I don’t hold and never have had an Amex so this might be the stupidest comment on this thread. I am also new to this forum.

    How can yoou be sure the email from Amex wasn’t a scam? You say you rang the number in the email.
    Surely you should have rung the number on your card or on a statement?
    Have you now given the person you called enough information to commit fraud with your card details?

    Unlikely but thought I would ask.

    • This reply was modified 4 days, 2 hours ago by HertsSam. Reason: Added information for context
    Ash

    Check you credit rating for Experian, they offer a two week or 30 free trial. You get full detailed access – Inc a timeline of changes affecting your score.

    It could be innocuous…my partner bought a cuddly toy for her nephew Kuba. His name was messaged in PayPal message. PayPal froze the payment while the checked out if it is connected to a sanctioned nation.

    • This reply was modified 4 days, 1 hour ago by Ash.
    Barraclough

    I don’t hold and never have had an Amex so this might be the stupidest comment on this thread. I am also new to this forum.

    How can yoou be sure the email from Amex wasn’t a scam? You say you rang the number in the email.
    Surely you should have rung the number on your card or on a statement?
    Have you now given the person you called enough information to commit fraud with your card details?

    Unlikely but thought I would ask.

    Good point HertsSam. Not a stupid comment at all. It’s a useful reminder to everyone to be cautious and to check things out.

    TGLoyalty

    I don’t hold and never have had an Amex so this might be the stupidest comment on this thread. I am also new to this forum.

    How can yoou be sure the email from Amex wasn’t a scam? You say you rang the number in the email.
    Surely you should have rung the number on your card or on a statement?
    Have you now given the person you called enough information to commit fraud with your card details?

    Unlikely but thought I would ask.

    A good comment but the OP has mentioned the number and it’s a legit Amex phone number

    HertsSam

    I don’t hold and never have had an Amex so this might be the stupidest comment on this thread. I am also new to this forum.

    How can yoou be sure the email from Amex wasn’t a scam? You say you rang the number in the email.
    Surely you should have rung the number on your card or on a statement?
    Have you now given the person you called enough information to commit fraud with your card details?

    Unlikely but thought I would ask.

    Good point HertsSam. Not a stupid comment at all. It’s a useful reminder to everyone to be cautious and to check things out.

    Thank you Barraclough.
    I did have 2 thoughts.
    1) Perhaps the number called is well known to Alex V as Amex CS’ number, there was no problem calling it.
    2) If it was a scam, then the scammer as well as having your details, also has, and I am guessing here, your mobile phone number. I know some organisations use mobile number as a security detail for confirmation. Also if you are with any organisations that use OTP as part of confirming any security change, then the scammer may change the phone number on that account.
    Like I said, unlikely and speculation on my part. Take it as you wish.

    HertsSam

    I don’t hold and never have had an Amex so this might be the stupidest comment on this thread. I am also new to this forum.

    How can yoou be sure the email from Amex wasn’t a scam? You say you rang the number in the email.
    Surely you should have rung the number on your card or on a statement?
    Have you now given the person you called enough information to commit fraud with your card details?

    Unlikely but thought I would ask.

    A good comment but the OP has mentioned the number and it’s a legit Amex phone number

    Thank you TGLoyalty.
    Shame I can’t delete my 2nd post with further thoughts. Oh well.

    • This reply was modified 4 days ago by HertsSam.
    IPC

    Alex V, do you have an Amex linked to Paypal?

    Have you ever paid anyone associated with you via Amex / Paypal Friends and Family?

    = Red Flag.

    Alex V

    Alex V, do you have an Amex linked to Paypal?

    Have you ever paid anyone associated with you via Amex / Paypal Friends and Family?

    = Red Flag.

    I do have PayPal and I had both Amex cards linked to it, but I’ve never used it for sending money to anyone. Per my understanding such transaction would be a cash transaction in nature, so I always use a current account or monzo card linked to PayPal to make cash transfers.

    Ash

    Paypal with Amex is a red flag?

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