American Express credit card customer service has always been above average, with response times, and responses to questions being on time or earlier. However, recently, they have lost some of their customer confidence, largely due to a lack of response when it comes to billing inquiries and late payments. The main complaint is that once you call to make an inquiry, they don't seem to be able to get back with you very quickly. If you have not yet established a good relationship with your own credit card company, the response time will probably put your mind to sleep before you even have the chance to ask any questions.
The reason American Express credit card customer service has taken such a turn for the worse is because they have not been able to focus on their customer base, but instead have concentrated all their energies on selling a product that doesn't really suit their customers' needs. For example, many people use their credit cards for day-to-day normal expenses and have never even entered into a debt cycle. They use the card to make small purchases every month, like gas for their car. They don't anticipate that they may be in debt someday, so they never bother filing a credit card statement with the company, and they are never late paying their bills. When things start going wrong and they are unable to pay their bills, things go from bad to worse, and it usually means that the credit card debt will eventually mount up and they will be forced to seek debt relief.
When American Express credit card customer service representatives answer your telephone during office hours, it is highly likely that you are not even in the same state that the representative lives. The representative's main concern is making more sales and therefore will not do a very good job. If they cannot get you to pay your monthly bill on time, they will advise you to set up a payment plan that will be easier to pay off. However, if you cannot pay your bill in full during this period, your account will remain closed until it has been paid in full.
On the other hand, when American Express credit card customer service representatives are working at your benefit, they are more likely to do everything possible to help you get out of debt. When you call to report an incorrect payment, for example, the representative will make sure that your account is fixed and contact your creditors immediately. They might even decide to waive some fees and add some extra things to your monthly payment to help you fix your credit card debt. On the other hand, they might tell you that your credit card debt is unsecured and advise you to put down a collateral security so that they will not have to sell your home or car in case you are unable to pay the debt in full.
American Express credit card customer service representatives understand the toll that bad credit can take on your life. That's why they work hard to help you get back on track. If you are having trouble making payments, for example, you should immediately call them to see how you can improve your payment habits. If you're having trouble paying down your debt, you should see how you can reduce your expenses and increase your payment. If all else fails, you can talk to your representative about . . . . . . a consolidation loan. By talking with a credit card company, you can often stop bad credit and start over.
Finally, one of the best things about American Express credit card companies is that they are not locked into any one plan. This means that you don't have to keep transferring your balances between different cards to try to fix your debt. Instead, you can use the same balance every month, or even transfer balances out of the company completely. You never have to feel trapped by your debt problem again. You can fix it yourself!