This is my advise to whoever is intending to apply for an american express credit card. I used to be a strong supporter of amex due to their good branding and great customer service, that is until i tried to cancel my card. I decided to cancel my amex card as i have no further use for the perks which amex was giving me previously due to my change in job which doesn't entitles me to use such perks since i'm now a staff of the affliated company. I called Amex on 3 seperate occasions to have sweet operators apologise to me profusely and saying they understand my plight. They also promise to call me back during business hours to process my cancellation. However, none of them called me back. During my 3rd call with them, the operator told me i've no outstanding balance as they'll cancel the subscription for the new year as i'm intending to cancel. They also offer to waive the subscription for me if i intend to continue with the card, but i told them i don't need the card anymore. Before i hung up, i made the operator confirmed again that i've no outstanding balance with them and she said yes. Naturally i'll not do anything since i've no outstanding payment with them. But lo and behold, i've got a bill today saying that i've defaulted in my payment and i'm slapped with a late payment fee and the interest incurred on the outstanding amount! This is not the only distressing issue, i've been getting calls from people who has been trying to get me to sign on extra premiums with Amex and insurance schemes with Amex. I've at least 3 calls in the last 2 weeks from persistent salemen who don't understand when i tell them i'm trying to cancel the card. I've just called Amex regarding my latest bill and again, the sweet operator tried to apologise, to which i told her to save it, cos apologies can't do anything now. I just want my card cancelled and this saga over. This has cause me so much distress over the past month with so many harressment calls from sales persons. I decided to blog about this and i hope that this gets to as many people as possible so Amex will do something about their response to people cancelling cards and improve on their overall service to customers. Its really disappointing to see such a reputable company having such terrible way of handling a simple request, this saga really turns me off to Amex, and probably will be for the rest of my life. I don't think i alone can do much to change their attitude in this, but if the mass population is against their way of handling such matters, it'll make a difference. So if your friend wants to sign up for their cards, tell them my experience. | 
