r/amex

For context, I am constantly buying vintage designer bags and do sourcing on the side, so I’m not new to vintage luxury. I have used Poshmark before and never had an issue with returning an item not as described until this last week.

I purchased a used vintage Hermes bag on Poshmark and explicitly asked the seller before hand if there had been any alterations (repainting, third party repair, etc) because repainting especially significantly affects the value. Seller stated it wasn’t. Bag arrived and I was suspicious, so I took it to a custom leather worker (brick and mortar shop) near my house who said it absolutely was repainted and done pretty horribly at that. I opened a case with Poshmark and it was under review for several business days before they denied it saying “it wasn’t misrepresented.” I have the screenshot of the seller saying it wasn’t repainted and the leather professional is writing a formal evaluation. I’ve also found an additional well-known luxury bag repair expert to take a look/write a report. I’m even contemplating flying to New York to have one of the luxury flagship resellers like fashionphile give their expertise as well. (A part of me is even hoping the second leather professional says it wasn’t repainted and I can go on about my day. I don’t have buyers remorse ab the cost; it just straight up isn’t in the condition the seller said it was). I told Poshmark this and they basically said “oh well, doesn’t matter what anyone else says bc we had this item in our possession before it got to you and didn’t notice repainting.” Contemplating a chargeback since they’re saying they don’t care how much evidence I have contradicting their opinion. Seems like I’d maybe have a case for item not as described. I’ve never done a chargeback though, like ever with any card. It’s on my Amex business platinum.

Anyone have experience with chargebacks of this magnitude and/or advice? Kinda nervous

If I add my teenager as an authorized user (e.g. green/gold/platinum card or blue cash), and later they want their own card, are they eligible for a sign-up bonus?

I had a $125 Amex Offer for Expedia. On August 4, 2026, while the offer was active, I clicked the Amex Offer link and completed a qualifying hotel reservation.

The charge was posted to my Amex on August 5. Amex is refusing the $125 credit because of the posting date.

I have screenshots showing the offer, the Amex email from Aug 4, and the Expedia email confirming the reservation made on Aug 4.

Has anyone dealt with this? What’s the best way to escalate?

I already called about it, but they're saying I missed the offer because it was posted on August 5.

As a travel agent I got an email from Amex.

The ability to get the perks of the Cruise Privilege Program through your independent travel agent is ending on September 15th. After 9/15 you can only get the perks is booking directly with Amex Travel.

Dear Rez Saver User,
We have received an official notice from Amercan Express that effective 12:00 p.m. ET on September 15, 2026, access to American Express Travel benefits such as Cruise Privieges Program, The Hotel Collection, Fine
Hotels & Resorts, and Genturion Fine Hotels & Resorts, through RezSaver will be discontinued. Bookings made after this time will not receive these benetits.
Bookings with American Express: Travel benefits made prior to this deadline
\- including for future travel - will continue to have benefits honored. The benefits need to be applled to the booking by the travel suppiler (e.g., cruise
Ine, notes) pror 1o me deadline, bookings made prior the deadine but do not reflect the benefits by September 15 at 12 pm ET cannot have benefits added later.

I used the Centurion lounge on my way in to Europe, where I landed on terminal 5 and transferred to terminal 3 for a connection to mainland Europe. Now I am going to be flying back in reverse (connecting from T3 to T5), but it is not clear to me if I will be able to use the lounge before transferring terminals (seems you go direct from plane to bus without real access to terminal). Is that correct? If yes, which PP lounge is better in T5?

Has anyone used Zil Money with an AMEX Business Platinum to fund payroll?

We use Gusto and are looking at running payroll through Zil so we can charge it to the AMEX and potentially earn 2X points on purchases over $5K.

The issue is Zil won’t give me a definitive MCC/merchant code, and AMEX told me I need to confirm that with Zil.

Has anyone actually done this and can confirm:

• How the Zil charge coded on AMEX
• Whether it earned 2X points
• Whether AMEX treated it as an eligible purchase vs. cash equivalent

Trying to verify before we test it. Thanks!

For context, I’ve had the AMEX gold for 5 months now. I’ve paid it off in full a day before the statement closing date so I’ve never ever owed a payment on it. I have spent a few thousand dollars every single month, I received the platinum preapproval and will give 100K bonus if $12,000 is spent within six months. The 895 annual fee is quite high. I do plan on doing some traveling maybe four times a year and the Resy credits seem nice. My question is Would it be better to go with the Delta platinum opposed to the normal Amex platinum? To save a bit on the fee or is that is the American Express platinum really that beneficial of a card seeing as I already have the gold.

First and foremost I don't care about Bilt points or Bilt cash or any Bilt cards. I have no interest in that ecosystem as for my use case it is not worth it. I'm talking purely about using Bilt or Plastiq or similar platforms purely to be able to use Amex where it otherwise would not be accepted such as for rent. This would make it much quicker and easier to hit MSR (minimum spend requirement) for SUBs (Sign Up Bonuses). Otherwise it wouldn't be worth it due to the 3% fee of course.

I've seen a lot of negative feedback about platforms like these. From delayed payment from them meaning you used your card with them to pay someone else and it took them a long time to process the payment so your payment to the final recipient was late. Not to mention it being kind of off again on again whether or not they even work for this purpose consistently. Also lack of customer service if anything goes wrong. Not to mention giving up your data to be sold and potentially increased risk of fraud. With Bilt there's also the ethical concern because they partner with RealPage and I'm a strong proponent of affordable housing.

However I've also seen a lot of people say they've done it for years and it worked fine. I'm interested in everyone's thoughts on this and confirmation they work well with Amex to hit MSR for SUBs. Amex doesn't care right? It's rent and obviously not manufactured spend or anything.

I scanned a through reddits and is this a common thing happening?

For context I have been with AMEX Since 2022 - I have 4 separate cards with them, and have never missed a payment.

It seems strange to me and unjust the reasoning “credit review” has ultimately led them to close all my accounts permanently, considering my credit score has been a lot lower than it is now comparatively.

Is there anything I can do to fight this? They claim it’s a business decision lol

Help! I was just approved for the Gold and Blue Cash Preferred Cards. I requested a balance transfer with the Blue and changed my mind on the amount. I called into customer service and they said it couldn’t be changed. I just checked the status and the transfer amount is 100x what I requested. There’s no status listed, but I’m worried this is going to set off a fraud flag for both AMEX and Citi. How can I fix this?

Edit: To clarify: I requested $Y, customer service tried several times to change it, and I was told it couldn’t be changed. I logged in days later and saw a request for 100 x $Y (hundreds of thousands of dollars). I didn’t erroneously request this and try to fix it with customer service.

Hi, so I recently paid for and then cancelled a parking spot and got refunded, and I got the email saying my account was credited. But when I checked my statement that closes in a couple of days, it went up by the amount that was supposedly refunded. I reached out to Amex and they said it would reflect on my next statement. So would my payment due in September be reduced by that refunded amount?

ETA 2: TLDR/ I closed the card but still want to escalate:

I want to know:

- Has anyone successfully escalated to executive offices? Who did you contact?

- Has anyone closed an account (themselves) but had it reinstated?

- Are there bureaus/ombudsman that provide support?

*****
Post: (16 AUG ~ 4P EST)

Oh. And, 20K in 3 months for the 250K sign up bonus, but we won't let you get there.

I am furious and writing this after being on hold for more than 2 hours with various AmEx Business Platinum customer service reps. At least I have been escalated to the US now . . .

July 11: Opened card

August 10: Used exactly 1 benefit, Chat GPT. ($50 for 1 month)

August 11: Assessed $895 membership fee.

August 16: Today. I scheduled the day to organize my upcoming business travel and various purchases for the business. Did I mention, for the business?

Since then, I have been blocked from using the card.

****
Reasons being: Fraud

• OK, I verified my identity and authorized the purchases. No problem.
• I called and said I'm planning on making about 10-15K worth of purchases today/this week. They said, and I quote, "You have no spending limit".
• Try to make the purchase again (it's for a $555 flight ON AMEX TRAVEL PORTAL) and. . .
• Next, I'm forced to make a payment 2 weeks before due date ($1704.52)

I MADE the payment in FULL.

Purchases still blocked. (I retried AmEx Travel Portal, PayPal, United, and Hilton)
*****
Back on the phone with AmEx, after 1 hr I get routed to someone who conference called my bank with me to verify my balance (?)

They verified I have the funds with Wells Fargo Bank.

They checked my balance which was over 10x the actual $1704.52 payment

They said the restriction has been released.
****
Still can't make any purchases . . .

Call back:

• Now, I am told I have been flagged as high risk due to my payment history, (what payment history? I've used the card for a week and ALREADY MADE A PAYMENT FOR YOU) and credit score(sorry, is 820 a problem?) and I have NEVER missed a credit card payment in 20 years. NOT ONE.

After another 7 CS rep rigamarole and various supervisors scratching their own ass, "accidentally" get hung up on.

Now back on hold (after another hour) for a supervisor, and am told i will need a "call back".

If I was deemed such a high risk, why was I approved in the first place?

Is AmEx terrified that I may (gasp) actually . . . spend 20K in 3 months? Is that the problem?

What can I do here? Is this normal? (Btw - have a personal Delta Gold AmEx, charged about 6K in one day, paid it off, no problems)

FYI: I posted this in r/AmexPlatinum first, but mods banned it. Why ?!?!

ETA: I cancelled the card and will no longer be an AmEx member.

ETA 3: I have been permanently banned from r/AmexPlatinum …. For the exact same post as I’ve posted here.

See comments…..