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@ns thanks for that, so Joint Accounts shouldn’t be an issue. I wonder how balance transfers ‘work’ as that’s someone paying off my balance in a different name and I’ve probably done those in the past.
Amex’s kind ‘cheerio’ message yesterday told me to advise my supplementary cardholders of their decision. Which I did.
It transpires that they’ve also blocked the primary card of those accounts that I held secondary cards on – only found this out when we were trying to use such cards to purchase some Amex branded goods from ebay – this is really shabby. At least they sent me a secure message.
Why would you buy amex branded goods off ebay after the way they treated you?
How many Amex cards/supps did you hold? Just wondering if a certain number triggers some sort of alert with them. Though I suppose they could have closed some of them instead of all of them if that was the issue (they told me on my last application that I stood a better chance if I cancelled my other Amex).
Morning. My Amex is in my married surname and I always pay the balance off using my bank account in my maiden name. is it possible in these instances Amex could cancel my cards too due to names not matching? I’ve been with them many years BAPP. Thanks
@Metty “It transpires that they’ve also blocked the primary card of those accounts that I held secondary cards on – only found this out when we were trying to use such cards to purchase some Amex branded goods from ebay – this is really shabby. At least they sent me a secure message”
How many supplementary cards did you hold?
Why would you buy amex branded goods off ebay after the way they treated you?
Indeed, in OP’s position, I would be doing nothing to promote the brand, even if Amex aren’t the direct sellers of the products on ebay!
I assumed they meant purchase branded goods off Ebay using Amex; as, yes, as written that does seem very strange!
Morning. My Amex is in my married surname and I always pay the balance off using my bank account in my maiden name. is it possible in these instances Amex could cancel my cards too due to names not matching? I’ve been with them many years BAPP. Thanks
Such a behaviour if they did so would be fairly clearly discriminatory of a protected characteristic; probably two in fact, as it would in the vast majority of cases affect married women (who of course often retain their maiden name in professional contexts).
It’s an interesting general thought, actually. Allowing a financial institution to close accounts with no reason given could in theory allow them to act in highly discriminatory ways without recourse or repercussion; potentially another reason that summary account closure without giving a valid reason is problematic?
Firstly, the attempted buying of Amex branded goods was a bit tongue in cheek as a friend suggested I should do a little YouTube story if sufficiently bored.
Supplementary cards: we’re a family of four, at one stage all of us held BA Prem Plus Amex but a few years ago this reduced to three. Total number of Amex cards I held
BA PP (primary)
Marriott (primary)Wife’s BA PP (supp)
Daughter’s BA PP (supp)
Daughter’s Gold cc (supp)
Son’s Plat Business (supp)Blocking all our cards with zero notice could have been much more inconvenient if we were abroad.
Son’s Plat Business (supp)
What type of expenses were put on this and your son’s primary business card?
oops dupe
Son’s Plat Business (supp)
What type of expenses were put on this and your son’s primary business card?
I used it for the first time this month for a £64 car hire transaction. I don’t think any of his transactions are a problem as Amex haven’t blocked another of his cards
Yet the head of Amex UK remarked just 2 days ago in this puff piece on the ‘importance of authenticity’…
I don’t know much about Raconteur, so it’s possible that she is playing to an audience in the things she says. I hope so. The alternative, that this genuinely represents what she thinks, would be too terrifying for me to contemplate in the CEO of a major financial institution.
In her world, a good CEO has a vision, communicates it, empowers a team, and removes barriers. Deep industry expertise doesn’t get a look-in. It doesn’t matter if the vision is wise, so long as it’s communicated and delivered. Choosing and building a team isn’t mentioned. Delivering financial success for shareholders is beneath her. Plenty of failed Apprentice candidates meet Hannah’s definition of a great leader.
And, in hiring, she wants diversity, and she wants strong personalities with integrity, curiosity, hunger and confidence. What about competence? Track record? Expertise? Skill? Judgement? Not so much.
Wow. Didn’t she notice that almost all the world;s most successful businesses are run by experts? And attempts to parachute in a confident generalist with hunger and communication skills (John Lewis, I’m looking at you) rarely end well.
No wonder Amex is a mess.
Well what she says is how the UK public sector is managed, so I’m sure that’s ok then…
Amex has made it VERY clear that if you do not settle your bill from a bank account in your name then it will be closed. I got the letter myself (well, my wife did) because I pay her account for her – to be fair, I do all the spending on it too!
Is this just an Amex thing?
I have been paying off a Mastercard on which my husband is the primary and I am the supplementary for approx 20 years.
Same reason – I do all the spending on it.
Only time he uses it is if we think we need S75 cover, as I believe a sup doesn’t count for that.
Morning. My Amex is in my married surname and I always pay the balance off using my bank account in my maiden name. is it possible in these instances Amex could cancel my cards too due to names not matching? I’ve been with them many years BAPP. Thanks
Such a behaviour if they did so would be fairly clearly discriminatory of a protected characteristic; probably two in fact, as it would in the vast majority of cases affect married women (who of course often retain their maiden name in professional contexts).
It’s an interesting general thought, actually. Allowing a financial institution to close accounts with no reason given could in theory allow them to act in highly discriminatory ways without recourse or repercussion; potentially another reason that summary account closure without giving a valid reason is problematic?
I was thinking about a few other cases where people whose disposable income had actually gone up as they had retired, paid off mortgages and no longer had to pay out family costs such as school fees, were reported on here. These people had not expected to have their application declined by Amex, or had cards suddenly terminated without any reason they were aware of. Offering to redistribute their existing credit, so that overall Amex’s exposure to them losing the guaranteed secure income for life they had, would not increase, had still met a rejection or incomprehensible card(s) termination by Amex.
Is Amex now discriminating against retired people? Or discriminating against prospective and worse, discriminating against existing customers even if their income is guaranteed for life, if it takes the form of a pension or annuity, or refusing strategized drawdown even if ample investments as an income strategy?
This looks perilously close to age discrimination, direct and indirect, to me. IMV they’re already skating dangerously close to gender discrimination since their refusal to take a homemaker’s share of the household income into account, particularly that of a married homemaker.
…If you look at Amex’s ads they seem to want customers who drink a lot, party a lot, eat a lot and do inane childlike things like jumping up and down.
Show me a woman having coffee at a table in a café in Milan, surrounded by large branded carrier bags containing her shopping, with the Duomo in the background, who is preferably old enough to be earning her own money, and I’m interested.
Hum. wodering about balance tranfers and how they fit into Amex’s algorithms.
This looks perilously close to age discrimination, direct and indirect, to me. IMV they’re already skating dangerously close to gender discrimination since their refusal to take a homemaker’s share of the household income into account, particularly that of a married homemaker.
It’s not unusual for Amex to be considering income as gross income and totally shutting down the route to add a homemaker’s share, yes its a crappy decision for cardholders but check out their Credit Intel page
In regards to credit limit, which is one of the factors of an approved application
“Credit limit: Credit card issuers usually consider your gross income when determining your credit limit.”What is gross income one might ask?
Check it out here https://www.americanexpress.com/en-us/credit-cards/credit-intel/gross-income/?linknav=creditintel-contextual-article
For individuals, gross income is all the money you earn before taxes and other deductions are subtracted. Your earned income can come in many forms: salary, bonuses, tips, hourly wages, rental income, dividends from stocks and bonds, and savings account interest. In the less traditional but growing “gig” economy, people can earn income from multiple part-time, temporary, or freelance positions. All the monies earned from these jobs would count toward your gross income./end creditlessons101
@BBbetter, that’s a very lame, ad hominem attack, and unfair towards the OP.
Car insurance companies have actually been taken to court for charging men and women different prices, and your argument about lingerie would only stand up if the manufacturers refused to sell the garments to older people. In fact, more and more older models are being used these days, as companies realise the spending power of those generations.
Disclaimer: I am Gen X, not a Boomer, though my son did used to level that accusation at me when he was about 12 😂
…If you look at Amex’s ads they seem to want customers who drink a lot, party a lot, eat a lot and do inane childlike things like jumping up and down.
Show me a woman having coffee at a table in a café in Milan, surrounded by large branded carrier bags containing her shopping, with the Duomo in the background, who is preferably old enough to be earning her own money, and I’m interested.
:)) I’d better start jumping up and down so that I can keep my cards!
You also need to look beautiful and under 25 years of age. 😂 Amex are totally deluded. It’s no suprise that their very tiny market share in the UK is dropping off a cliff!
Disclaimer: I am Gen X, not a Boomer, though my son did used to level that accusation at me when he was about 12 😂
Ok, I’ll take back what I said.
The right header for this thread must be “boomers and gen x annoyed at one more thing”.@ns thanks for that, so Joint Accounts shouldn’t be an issue. I wonder how balance transfers ‘work’ as that’s someone paying off my balance in a different name and I’ve probably done those in the past.
Amex’s kind ‘cheerio’ message yesterday told me to advise my supplementary cardholders of their decision. Which I did.
It transpires that they’ve also blocked the primary card of those accounts that I held secondary cards on – only found this out when we were trying to use such cards to purchase some Amex branded goods from ebay – this is really shabby. At least they sent me a secure message.
It’s not just shabby, it’s really weird as well. You must have generated loads of income for them over the past 30 years, and probably would in years to come. I think you are taking quite well considering how wrong it all seems.
Amex seem to be very confused about who their target market is. Wonder what would happen if you re-applied in 12 months time, just as an experiment, as I can also see why you wouldn’t want to touch them with a barge pole given their treatment of you and yours.
@northernlass. Loving the use of ad hominem.Morning. My Amex is in my married surname and I always pay the balance off using my bank account in my maiden name. is it possible in these instances Amex could cancel my cards too due to names not matching? I’ve been with them many years BAPP. Thanks
Such a behaviour if they did so would be fairly clearly discriminatory of a protected characteristic; probably two in fact, as it would in the vast majority of cases affect married women (who of course often retain their maiden name in professional contexts).
It’s an interesting general thought, actually. Allowing a financial institution to close accounts with no reason given could in theory allow them to act in highly discriminatory ways without recourse or repercussion; potentially another reason that summary account closure without giving a valid reason is problematic?
I was thinking about a few other cases where people whose disposable income had actually gone up as they had retired, paid off mortgages and no longer had to pay out family costs such as school fees, were reported on here. These people had not expected to have their application declined by Amex, or had cards suddenly terminated without any reason they were aware of. Offering to redistribute their existing credit, so that overall Amex’s exposure to them losing the guaranteed secure income for life they had, would not increase, had still met a rejection or incomprehensible card(s) termination by Amex.
Is Amex now discriminating against retired people? Or discriminating against prospective and worse, discriminating against existing customers even if their income is guaranteed for life, if it takes the form of a pension or annuity, or refusing strategized drawdown even if ample investments as an income strategy?
This looks perilously close to age discrimination, direct and indirect, to me. IMV they’re already skating dangerously close to gender discrimination since their refusal to take a homemaker’s share of the household income into account, particularly that of a married homemaker.
Since they brought in their minimum income requirements and stopped allowing household income to be taken into account, I can no longer get any Amex card. Nothing has changed within our household, I have full access to all the household income, as I did before when I could get an Amex card in my name. However, since my ill health police pension in not a full pension and doesn’t meet the minimum income requirements, that’s it for me in terms of Amex cards. It is a little but frustrating when I’ve happily been having Amex cards in my own name since retiring in 2017 up until around a year or so ago.
@BBbetter, that’s a very lame, ad hominem attack, and unfair towards the OP.
I had to google ad hominem 😀
I probably better not post too many more specific details of my (ex-) accounts but it’s nice that the folks on here have been kind. If was hiding something, I wouldn’t be on here.
If Amex suggest I register for something or spend to achieve a target, I’d go for it. So the Tier Points for spending £25k was the latest I was chasing, probably got to £22k by pre-paying accom (normally against my nature) etc. Maybe it costs Amex to let me hit £25k and collect 200TPs?
Did pay Benenden £1k on my Amex for an upcoming minor op (cyst removal), maybe Amex think I’m about to snuff it and owe them a few ££? I truly hope that it’s not age discrimination, but when I canx my Plat around Xmas, they let me go with no retention offer (never had one so wasn’t expecting one); when that call finished, my relatively penniless self employed lad called as he actually couldn’t afford the fee and was begged to stay (can’t remember what the offer was but he kept it, so 6mo free or the like). There’s me trying to pay off the car £20k PCP by Amex (not allowed) as I can afford it and there’s him living on meal deals and McDonalds.
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