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Optima® Card
Issued by American Express |
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| Total Posts: 24 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 24 Commentaries |
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1-10 | 11-20 | 21-24 |
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| "approved" |
| can you pleas approve asap as we are heading on a trip |
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| Most attractive feature: upgrades |
| Least attractive feature: takes to long |
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| Posted by: keely |
| Date: 7/4/2011 |
Recommend?  |
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This person does recommend this card.
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| "3.9% for life garanteed. oh not really." |
I recently had to have an emergency hysterectomy. My fiance called to explain to the company what was happening and that we might be late as cancer was suspected, we were going through a lot, and weren't working our normal hours.
They refused to speak to him as he is not on the card. Fine. I understand that. I called myself 3 days later while still in the hospital. I explained the situation and that we might be late. The representative said it was good I'd called and no problem.
We were late with one payment after i could not work for two months. i had consolidated all of our cards to this one for the good rate of 3.9% for the life of the balance guaranteed. Our rate has jumped to almost 26% on $10,000. I called and explained that I had called, in good faith, earlier and was told there would be no problem. I was told that they did wave the late fee and they could do nothing more as I was late. Gee thanks for nothing.
To add insult to injury, when I looked at the bill the late charge was there. It's abuse of consumer trust.
At least the doctors got all the cancer. |
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| Most attractive feature: untrue interest rates |
| Least attractive feature: no customer service or respect |
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| Posted by: M |
| Date: 8/3/2004 |
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This person does not recommend this card.
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| "There appears to be higher costs involved for merchants " |
| Merchants on occasion complain that some were forced to no longer accept American Express due to higher expense as compared with other credit card companies |
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| Most attractive feature: Easy to read statements |
| Least attractive feature: High interest and reluctance by some merchants to accept |
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| Posted by: Egon |
| Date: 5/1/2003 |
| Recommend? |
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This person does recommend this card.
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| "Denied Authorization" |
If you are one day late with your payment, they will deny all charges until they receive the payment. Calling customer service is useless. They just treat you like some deadbeat and tell you that there are no excuses for a late payment.
I have had American Express cards for over 15 years. In that time they have gone from having the best service, to the absolute worst. I have never had another card that has treated me this badly. And this is from someone that has excellent credit and has always paid the bill (occational late due to traveling). I can only imagine how they would treat someone that actual has credit problems.
I finally had to cancel the card and will never do business with American Express again. |
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| Most attractive feature: Free |
| Least attractive feature: Customer Service |
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| Posted by: Steven |
| Date: 2/18/2003 |
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This person does not recommend this card.
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| "Low interest offers for personal cheques" |
| When I wrote a few cheques amounting to about $3,000.00 the pamphlet said I would be charged at a low interest rate until February 2003 - until I paid my bill and they informed me that the payment comes off the low interest debt first so I really do not get a low interest rate on those cheques and I think that I have been misled |
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| Most attractive feature: Gives air miles |
| Least attractive feature: misleading information about low interest cheques |
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| Posted by: Stanley |
| Date: 9/6/2002 |
| Recommend? |
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This person does not recommend this card.
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| "Credit Card" |
| I like this card and it's flexibility. |
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| Most attractive feature: Flexibility |
| Least attractive feature: No receipt breakdown by category.... |
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| Posted by: JEB |
| Date: 9/3/2002 |
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This person does recommend this card.
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| ""Amazing Grace"" |
| When i initially got the card after using information that did not exactly match my profile i thought that it was the best thing since sliced bread at the age of 18. Wow my own credit card to charge anything that i want to on it and it is taken world wide. The fact is I was not knowledgeable of interest rates at the time of all of my purchase it really didn't mean much to me at the time but the am ex way is to pay it all in 30 days or you are delinquent, i didn't know that either. Now I am stuck sucking on a thousand dollar bill with a minimum payment that doesnt even cover the finance charge! |
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| Most attractive feature: The grace period for payments |
| Least attractive feature: intrest rate |
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| Posted by: stephen |
| Date: 7/29/2002 |
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This person does not recommend this card.
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| "Review" |
| Overall, very nice - rewards are cool. Customer Service always great and willing to help. |
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| Most attractive feature: Reward Points |
| Least attractive feature: None |
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| Posted by: Wendy |
| Date: 6/5/2002 |
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This person does recommend this card.
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| "OPTIMA PERSONAL" |
| I opened a Master Optima Card in 1991. In 1993, they changed my card to a Personal Optima. I was very pleased with the rates and features and did not mind the $25 annual fee. They then told me they were discontinuing the card and I would have to go to the Platinum Optima. I declined and after writing in three times to Ken Chenault, I have not gotten any action. People in customer service don't know anything and even executive office is in the clouds on card products. |
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| Most attractive feature: BEST VALUE GUARANTEE AND LOST STOLEN PROTECTION |
| Least attractive feature: card was discontinued and want it back |
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| Posted by: CADDY89 |
| Date: 4/20/2002 |
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This person does recommend this card.
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| "AMEX" |
| good card |
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| Most attractive feature: Rates have stayed the same |
| Least attractive feature: none |
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| Posted by: JMB |
| Date: 11/5/2001 |
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This person does recommend this card.
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Showing 1 - 10 of a total of 24 Commentaries
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1-10 | 11-20 | 21-24
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