I’m sure there of plenty of things people can find to complain about American Express. They got a bad name when the AMEX RAT ran rampant, finding every way to shut down every loophole when AMEX created and promoted those offers.
I have since taken a careful approach when dealing the American Express. I will push for benefits when I think they’re warranted but I’m also very careful when using one of their offers for a signup bonus.
That’s why I was shocked when I got an email from AMEX that I’ve never received from another bank.
I try my best to pay my credit cards on time but occasionally I’ll miss a payment when I’m busy worrying about things, like the upcoming holidays. Once the late fee hits your account, you can contact the bank to apologize and they may waive the late fee if you’re a good customer.
But this was the first time I’d received an email on the day of my payment reminding me that I hadn’t paid my bill.
Note: This isn’t a message saying I missed the payment. It’s a reminder that I didn’t make a payment yet (and that I still had a few hours to resolve that mistake.)
In the short term, this email may have cost AMEX $39 in the late fee and a few dollars of interest. However, in the long term, it shows goodwill toward cardholders. Other banks send this email the day AFTER you missed a payment when the late charge has already hit your account.
AMEX allowed me to correct my oversight in scheduling a payment. They still have their money and I don’t have to pay the penalty for paying my bill 12 hours after it was due.
So for a brief moment, American Express did what was right. It’s a holiday miracle!
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