American Express Card Members

Never will you find such a wretched hive of arrogance and idiocy. AMEX is very smart; they deliver this mystique about their card and their services: Exclusive. Membership. Privilege. All catch phrases that people with low self-esteem eat up in a heartbeat. And that’s proven by the fools that call in every day:

For example, lady calls up asking for to waive her late fee because she’s been a member for 10 years and she’s never been late before. Well, bitch … there’s always a first time. And guess what?? 60% of them always lie … as we see your record for at least a year back and, yes, she’s been late a few times before.

When nothing works, they always fall back on that being a member since crap and it doesn’t phase us CCP’s nor does it even phase the company as a whole.

What American Express card members fail to realize is this is just another charge/credit card. You spend on it… you pay it back. What’s the mystery?

And your membership isn’t accepted everywhere because American Express charges the merchant too much. So how exclusive can you be if the place you need to shop takes any card BUT yours?

Additionally, because of the high marketing to make you feel special, the spouses to official card members try to get into the act. They are the worst kinds.

You see, there is only ONE account holder and the rest are additional card holders. The BASIC CARD MEMBER (BCM) is control of the account and no information can be let loose to anyone but that person unless anyone is listed as an AUTHORIZED ACCOUNT MANAGER (AAM). Permitted information on the ADDITIONALs side of the account can be told to the owner of that card, but if you are not the BCM, you’re answers are restricted.

Even worse if you’re just the spouse. So, for example, the wife of HENRY MITCHELL calls in to get an increase on her husband’s card, we can’t do it unless we’re speaking to the BCM.

The spouse goes ballistic because she either believes she’s an authorized account manager, or just because she believes she deserves the same privileges. I’m usually quick to hang up on these clowns that aren’t authorized for anything.

Really quick.

The worst ones are those who expect to get their Annual Percentage Rate (APR’s) lowered at the drop of the dime and when they can’t … they threaten to cancel their accounts. Well, let’s see … a new member every minute verses you leaving the company. PLUS you still have to pay AMEX whatever balance is left on the card.

For every 5 AMEX card members pulling a hissy fit and canceling their card, 4 of them return to re-activate it. And they’ll pitch a bitch about anything and close their accounts, only running back because they need to feel special … which is what AMEX is selling. Can’t lower you’re rate, you cancel the card … but you come back. Can’t waive the late fee after you’ve been late once or twenty times (it doesn’t matter) … you cancel the card.

Go ahead … American express doesn’t care. We’ll try to sell you back sometimes, but for the most part, their always more people coming on that will take your place and, quite frankly, you’re not that special.

Again, it’s just a charge/credit card … and you owe them. So pay up or stop using the card.

That said, let’s move on to APR’s