Blue Cash Everyday® Card from American Express Reviews

If you pay off your balance be careful as this credit card has trailing interest. I've never had to pay any such thing on any of my credit cards before. It seems sneaky to me. I paid off the entire balance on my card and they charged me $1.47 in interest on the next month's statement. They have sent me a statement every month regardless of whether I had a balance or not since I received this card so thinking my entire balance was paid, I did not pay any attention to them. I had no idea there was a $1.47 balance on my card. After 60 days, with no email, no phone calls etc, they cancelled my account. I received a notification through mail. So, I called AMEX customer service and was informed there was an unusually high cash volume so I could wait or call back tomorrow. I went through this three times on the way to work, the system hung up on me each time. Finally, later that day, I was able to talk to someone. Ask yourself, if you have an important question about your account, do you really want to have to wait half a day to be able to reach someone?

Anyways, the lady on the phone was very nice. I explained to her that it was all a mistake, and I'd never missed a payment in 10 years of having the card and I thought it was silly to cancel a loyal customers account over a mistake that cost less than a gallon of gasoline. She went to work, and assured me that the charge was reversed, and, that my card was reinstated and also apologized for the confusion. She also reassured me that this was not going on my credit record and that I had no reason to worry. She told me I'd receive a letter in the mail letting me know whether a new card was being sent or the old one was simply reinstated.

I was very happy with the result and figured that it must have just fallen through the cracks. I figured they made a mistake, and the fact that this lady was so sweet and helpful made up for that. Except, I was dead wrong. I received a letter in the mail alright, except it was a notice that I was declined for account reinstatement. That was lie number one. That sweet lady on the phone was a liar. She told me my account had been reinstated. Lie number two was that it did indeed go on my credit record. I checked and there it was "60-89 days late"... She reassured me more than once that it would not go against my credit record...

Now let's get this straight. Over $1.47, or, the price you pay for things like milk, a candy bar, a soda, less than a gallon of gasoline, a bottle of windshield washer fluid, a spare key etc etc etc, not only did they Cancel my card that I'd held for 10 years, but they also screwed up my credit report... again, I've never missed a payment on any loan or card.... needles to say, I was less than happy... You would think if that $1.47 was so important to them that they would cancel my card and put a dent in my credit score, they could have sent an email or called, especially being that I have been a customer for some time now.

I tried logging on to view my account to see if the $1.47 had been removed but of course, again, there were technical difficulties. So, I called. I spoke to another lady who looked into it and verified that indeed I had been lied to. She told me that it was stated during my last interaction that my account was reinstated and the charges were wiped clean of my account. The lady was as nice as she could be but unfortunately, being that I was lied to once while being nice, I decided to take a more stern approach this time. I let her know that I do not appreciate being lied to and I do not appreciate the fact that now, thanks to American express and a mistake involving pocket change, I may end up having a strain on my credit record for a long time and end up having to pay higher interest on a car loan or a personal loan etc. I vowed to tell as many people as possible so here I am warning you to stay way from American express. They threw away a good customer for 10 years over less than the price of a candy bar. I know other people they have screwed up with as well. Protect yourself, do not sign up for their cards...