American Express Essential

worst credit card service I ever get – 1. Direct Debit Disaster Amex’s direct debit setup is supposed to make payments seamless, but it was anything but. I followed their instructions on the first statement and set up direct debit a full month before the due date. However, when the due date passed, Amex didn’t charge my account as expected. A few days later, I received an overdue fee… Read more

and interest charge. Despite doing everything correctly, I was penalized for their failure. This alone was bad, but what followed was even worse. 2. Frustrating App To resolve the issue, I tried reaching out to customer support. The only way to chat online is through their mobile app—there’s no web option. Sadly, the app itself is a nightmare to use. It repeatedly disconnected me, claiming I had been inactive for 5 minutes, even though I was actively typing messages. On one occasion, it cut me off mid-sentence while I was composing a response. 3. Rude Customer Support Due to the app issues, I ended up talking to multiple agents, and the experience only got worse. One agent outright dismissed my concerns, insisting I hadn’t set up direct debit—even though a previous agent had already confirmed that I had. When I asked them to check the system or review previous conversations, they refused and doubled down on their claim. When I requested to speak to a manager, the agent abruptly sent a generic “We haven’t heard from you” message and disconnected the chat, despite me having replied just a minute earlier and actively typing at the time.

Amex supporting fraud company kiwi.com who cheats lot of customers – I booked flight ticket with kiwi.com, it cancelled flight with out giving any refund. When I contacted amex as I have buyer protection policy. I didn't get any response from amex. Show details

Coles express is more prestigious than American Express in AUS – Got a Platinum employee card from work and it seemed nice even though it took us 4 weeks from application to receiving the card but noticed very slow and bad customer service. Than Applied for my own personal essential as I don't have a credit card and it seemed fun. I have good credit score and more than double the required income. 10 minutes to… Read more

apply 60 minute for a decision ... so I waited. I postponed many payments to put them on the card as I though the card would arrive soon. Now the joke starts, after 15 days I gave them a call to see where my card is. I got put through to India like I called DODO not AMEX and the guy said I've been declined. I said why wasn't I informed? He says oh its been sent in the mail. So wait, a prestigious and exclusive credit provided that cares about their image, uses a call centre in India? Uses snail mail only? and the application process doesn't even request payslips or letters or anything just .... declines card automatically?

I think AMEX is on the way out of Australia like diners and discover due to the RBA decision a few years back and banks closing off relationships with them. But also, what crap service :D I started laughing on the phone thinking I called some scam call centre that's how basic the representative was. Couldn't give me a reason why I was declined, he said its in the letter but its probably a template. That also hurt my credit rating for absolutely no reason. Anyway, I applied with a competitor with double the credit limit, better rewards and better support in Australia, I got approved in less than 24 hours and my new card is on the way.

Maybe Amex is something in the USA but here, its a bit of a running joke. Can you imagine the service I would have gotten if I had issues after I got my card and no one to talk to? I'm glad I got declined, saved me a lot of headaches in the future.

Great Credit Card – I recently had my phone screen repaired and was delighted to know my AMEX Essential card had screen cover insurance. The claim was completed in such a short time. I even had a disputed transaction sorted out within 24 hours I'm really impressed with the prompt service. Show details

Was sceptical of Amex but I just love it now – Why I love this card : 1. Free 2. Decent Rewards 3. Rewards can be converted to cash. 4. Smart Phone Screen insurance 5. Great customer care. However amex cannot be the only card tou carry as it's not accepted every where so you will need an Amex + a Visa/Mastercard in your wallet. Show details

Worst card in Australia – Customer service is worst every customer service representative person will give you different answers and they are so rude, lazy. Stay away from their travel credit scheme because it’s just a biggest scam ever Show details

Such a shocker – I cannot believe I am now someone who is writing a review for something but here we are. I got onto an Amex Credit Card with QANTAS frequent flyer bonuses and QANTAS flight credit. They are so unbelievably disorganized. The card is only accepted with a few stores in Australia. The flight credit forces you to book through Amex Travel, which is an… Read more

incredibly clunky website that is impossible to navigate. Have had to change my flight date and it has taken me hours over the phone and on their terrible website. Seriously, do not bother with Amex Australia. Not worth the unbelievable amount of hassle.

Absolutely horrible – I applied for an Amex Business card 3.5 months ago and have sent them every document they've requested, however I still don't have it approved - and now a new account manager has contacted me to ask me to apply again because my application has timed out!? Totally unacceptable and would not recommend.

Steer clear of AMEX – Their Customer Service is non existent. They transfer you back and forth between multiple people, and no one seems to be able to respond. High fees, unreasonable charges, and intent on ripping off Customers. Avoid them as a credit provider. Show details

worst card i ever have – It's very hard to call the help line and they would help. I sign up in July 2021, and sometime they have few sneaky charge on your account be aware to check you credit card every month and not many merchant accept them Show details

Update your records and stop sending me mail for someone else!!!! – I’ve been RTS mail for the last 6 months but Amex are STILL posting letters to my address for someone who doesn’t live here anymore!! Stop wasting my time!! It’s not my fault that person left no forwarding address - deal with it.

Awful and should be sued for breach of customer data – Be careful of their special partnership and promotional offers with third parties for cardholders that they advertise as a value add for customers. In fact, they are sharing your personal information with other businesses and in some cases your credit card details. If you are not reading T&C's properly they will not take any responsibilities down… Read more

the road either. I have personally been charged fees for a subscription after a year that I clicked without reading the terms properly. But I never gave my credit card details to that 3rd party organization directly either. Apparently it all happens at the back end. Not sure how they can get away with this. Sharing with you so that you don't make the same mistakes as I did.

Mafia criminals. Underhanded and bordering on dishonest! – From their very first introduction into the Australian Market American Express were underhanded and provided poor customer service. They originally employed thugs to collect late fees. A poorly structured and managed organisation which is not client focused. Poor user terms, conditions of use and high interest, late fees and merchant fees. Do not make the mistake of supporting these criminals. Show details

Super poor customer service, customer service staff unable to answer simple questions – Super poor customer service, customer service staff unable to answer simple questions. Unable able to provide basic info. Asked about policies they mention they could not provide info on the policies just respond search on website

Poor service – Totally shocked by poor service from a company that is so large and has such large fees. Applied for a card, full-time job with no debt, income above their requirements and declined. Extremely long waits on phone and delayed correspondence waiting to be advised. Had to chase them up for answer. Very poor and would not recommend to others given… Read more

their fees are so high. Much better options out there so would suggest you look around and stay away from American Express.

Unethical and no empathy – During the statewide lockdown Amex decided to cancel our Amex card and strip us of our 1.8m points. When asked when did they send us a letter they said it was sent the same day it was cancelled henceforth forfeiting all the points we built. Shocking Show details

If you die or get injured travel insurance useless – Denies paying travel insurance claims. Just like every other scam insurance companies not worth the paper its written on. Unfortuately insurance companies are no longer trustworthy these days and secondhand car salesmen have become more trustworthy than an insurance providor .  Show details

Terrible Service – I have been hung up on more times than I can remember and you would think they would have the courtesy to call you back since you have just provided them with all your details. To communicate with them are 45min + wait then they hang up on you when the phone call when they dont know how to work out how to answer questions. They dont care at all.… Read more

I am cancelling my credit card with them as its not worth the hassle. Website, statements, Credit towards flights its all very hidden and secretive like they are trying to make it difficult to find out information so you dont claim the credits you have paid for. Dont trust at all

Secret Squirrel – Asked them to confirm ABN and address of merchant I am paying with my Amex platinum card and they refused because of the merchant's "privacy". This is rubbish because ABNs and addresses are public. I simply needed to make sure it was the merchant I thought it was. Amex are happy to provide this info for other merchants so why not this one? Is it… Read more

the fact it is a multinational probably trying to avoid paying tax in this country? Amex have been inconsistent, unhelpful and in my view because of this, extremely dodgy. Good luck ever trying to check who you're actually paying using their card. If they're trying to keep the merchants details out of the taxmans office, they won't tell you what is your right to know as the cardholder.

The supervisor is rude and disrespectful – I was stuck in the pandemic for 16months, I told him to kindly extend my travel credit but he said- it’s my fault to not use it for someone else as travel was open in Australia. He said- it’s absolutely fine for me to close the account if I am unhappy. No consideration given for a $200 travel credit. Please look for other cards as American Express is no good now.  Show details

Worst Service in 20 years of Platinum card member – American Express annual travel credit 2020 was quietly expired without notice. They very well know Melbourne had 2 lockdowns from March to October and almost impossible to plan travelling even interstate in 2020.American Express quietly expired my travel credit, no emails or even text send out to customers to warn anyone. They refused even to reconsider .I have no choice but end this 19 years relationship and join another credit card company. Show details

1994 is when I joined AMEX and 2021 is when I left – Having been with Amex for so many years I have noticed changes - it has got increasingly difficult to communicate with them, in fact it has got impossible to communicate with them. Who want's a provider that you can't work with - after all they are making money out of YOU Not worth the points!

This is a crap card don't go for it – This is really a crap card, Don't apply for this. Before the due date, they are charging a 14.9% interest rate on your current balance. I have an outstanding amount of 14$ and I do a transaction of 5600 they charge me a 14.9% interest rate for 5614 $. I called and asked they simplifying replying it is the process. Show details

David Jones Amex card tricksters – I was pushed to apply for a card then decided against it. I have been hounded by Amex to provide details I don't want to provide and they are not responding to emails requesting details so I can pay this off to their bank. I do not want a membership or a 45 day expiry - I just want to pay it now without playing games by further signing up online… Read more

as I do not trust them. They show little respect for requests not to phone and to email, and seem to be trying to trick me into having to pay interest.

Worst customer(robot) service – I had applied an AMEX credit card when they asked for further information by sending me an email allowing 45 days to provide the info. I didn’t have time to do it then the nightmare starts, they kept calling, SMS, email me on daily basis, despite i spoke to the twice that I’ll do it later, they kept calling me daily with robot. Now I really want… Read more

to withdraw my application, steer away from these spammers, but I don’t know how, I told their representative, but it was ignored, next time it will be another agent that calls you

WORST CARD EVER – This is the worst credit card service I have ever seen. They are so unprofessional. I exceeded all the requirements for this card and they advised me to apply. When I applied, they declined my application affecting my credit score. WORST experience ever!! Show details

Criminals – They lie to you and tell you that your direct debit is set up. then when you dont make the payment and are late to pay, they charge you a $30 fee which they dont refund. terrible customer service I have spent one hour and 20 mins on hold with them before.

A Joke – I have been a platinum amex card holder, with a $100,000 limit,for 20 years. Their "service" level has dropped remarkably in recent years. I recently had a disputed transaction, the only disputed transaction in 20 years. There is no facility to email amex on their web site just a chat line. After many minutes on the chat line I was assured that… Read more

the disputed amount would be credited to my account. It is now several weeks since that conversation. No credit has been received and follow up enquiries are ignored. I am so disgusted with this organisation that I have ceased using the card. Amex travel is also a doubtful "service" in my opinion. I booked Qantas overseas flights before corona. The flights were cancelled and, according to Qantas, the fares refunded to Amex Travel who now refuse to refund the fares to me. According to Amex travel the refund can only be used to book further tickets through them and on the same airline and same route. Obviously impossible at present. Avoid!

Useless – Closed account - 1 Year later I find that there has been an additional charge of $200 after the account closed. Have a debt collector chasing me, never heard from them - useless as a bag of tits. Show details