Last week I received a telephone call from American Express Canada. I have had an Amex card for 22 years. I think I was late once (by two weeks) in 22 years due to travel, and have not missed a single payment in the past few years. The condescending man who called said my balance was over my "six-moth average" and I needed to pay my card balance NOW, and he informed me that my card had been suspended. I had recently made a full payment and he acknowledged that my account was in good standing. he also ackowlegded that I had had higher balances in past years and always paid in full and on time but he said that did not matter. They wanted their money. He also said "we are not a credit card company; if you want a credit card, there are other options." He also acknowledged there was no way for me to know my credit limit, which they do not communicate to customers.
I just booked my summer travel, which explains the higher billing. He said he "understood" but no matter send us all the money NOW.
I told him I would cancel my card. he said he "understood" and was sorry but send us the money NOW. Again, 22 years of sterling credit, and this is what this gets you.
So I (perhaps stupidly) paid it all before the due date, which would have been in two weeks. I am now returning my card and closing all my amex accounts, forever.
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