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Billpo57

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If Amex cancels my card because they think it was opened fraudulently, then I shouldn't need to pay?
If American Express states in there cardholder agreement that the consumer is not responsible for any fraudulent charges, and then they cancel the card because they think it was obtained fraudulently, I should not be response For the "fraudulent " charges. Right?

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Not necessarily that cut and dry, as those two types of "frauds" are bit different. Fraudulent charges means someone besides the card holder(s) made the charges, they may determine after investigations the cardholders themselves would or wouldn't be responsible. However if the cardholder(s) opened the account thru some kinda of deceptions or falsified on the application, like falsely stated their incomes, their employment, their Citizenship status, could be anything isn't factual really or simply cannot be verified, the cardhold(s) would still be responsible for the charges they made. Of course it can be both at same time, a card was opened with false statements AND have fraudulent charges that wasn't made by cardholder(s). All depends on what types of "frauds". And we haven't mentioned the ID thefts, that would further muddles the "fraud".

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