3 ms·

Amex treats me far better than Discover.

by op00to 3y ago

barkerja 3y ago
I second this, but Discover is a very close second. I've been a very happy Amex user for better part of a decade now.
- 486sx33 3y ago
  +1 for Amex since 2007 A $60k limit, they never mess me around if I dispute a charge, a neat looking clear plastic card and a cute looking black card for my wife … 2-4% cash back (depending what you buy with it) .. we got a $1900 cash back credit last year Only downside was their built in travel insurance didn’t cover me rebooking a flight because the first airline gave me a refund when they cancelled at 3am with me and my family staying in a hotel room across the street from the airport for a 6am airport arrival Yes we got refunded but buying 4 tickets with a new airline the morning of our travel date cost me an additional $1800 over my refund. I guess there is no built in credit card insurance for that circumstance . (Screw you for leaving me stranded JetBlue!)
NoPedantsThanks 3y ago
Oh yeah, AmEx, the company that detects fraud on your account, cancels it, and then DOESN'T NOTIFY YOU. So you start getting notifications from vendors that they canceled your orders right before Christmas, because of trouble with your card. When you call AmEx and ask why the fuck you weren't notified of fraud on your account, they say (and I quote): "Oh we don't do that. We wait for the customer to get in touch with us." The monumental stupidity and irresponsibility of this "policy" should be evident and disqualifying.
- op00to 3y ago
  I’m sorry you had that experience, it seems like it really affected your holiday. I have been proactively notified about fraud by Amex, Discover, as well as other banks. Amex seems to be the loosest with allowing questionable but valid purchases, and my Visa cards the strictest.
  - NoPedantsThanks 3y ago
    Maybe they woke up to how bad that policy was. Here's another one that relegated my AmEx card to a drawer: To redeem airline-ticket benefits, AmEx forced you to use their own Web portal to book your flights. This inept portal considered LaGuardia and Newark a connection. As in... you can walk from a terminal in one to a terminal in the other to catch the next leg of your flight. WTF.
- WirelessGigabit 3y ago
  Same issue with Chase. At least Bank of America sends me a text and a popup.

Amex treats me far better than Discover.

by op00to 3y ago

Amex treats me far better than Discover.

barkerja 3y ago

I second this, but Discover is a very close second. I've been a very happy Amex user for better part of a decade now.

486sx33 3y ago
+1 for Amex since 2007 A $60k limit, they never mess me around if I dispute a charge, a neat looking clear plastic card and a cute looking black card for my wife … 2-4% cash back (depending what you buy with it) .. we got a $1900 cash back credit last year Only downside was their built in travel insurance didn’t cover me rebooking a flight because the first airline gave me a refund when they cancelled at 3am with me and my family staying in a hotel room across the street from the airport for a 6am airport arrival Yes we got refunded but buying 4 tickets with a new airline the morning of our travel date cost me an additional $1800 over my refund. I guess there is no built in credit card insurance for that circumstance . (Screw you for leaving me stranded JetBlue!)

NoPedantsThanks 3y ago

Oh yeah, AmEx, the company that detects fraud on your account, cancels it, and then DOESN'T NOTIFY YOU. So you start getting notifications from vendors that they canceled your orders right before Christmas, because of trouble with your card. When you call AmEx and ask why the fuck you weren't notified of fraud on your account, they say (and I quote): "Oh we don't do that. We wait for the customer to get in touch with us." The monumental stupidity and irresponsibility of this "policy" should be evident and disqualifying.

op00to 3y ago
I’m sorry you had that experience, it seems like it really affected your holiday. I have been proactively notified about fraud by Amex, Discover, as well as other banks. Amex seems to be the loosest with allowing questionable but valid purchases, and my Visa cards the strictest.
- NoPedantsThanks 3y ago
  Maybe they woke up to how bad that policy was. Here's another one that relegated my AmEx card to a drawer: To redeem airline-ticket benefits, AmEx forced you to use their own Web portal to book your flights. This inept portal considered LaGuardia and Newark a connection. As in... you can walk from a terminal in one to a terminal in the other to catch the next leg of your flight. WTF.
WirelessGigabit 3y ago
Same issue with Chase. At least Bank of America sends me a text and a popup.