American Express Blue Credit Card Rebate Sucks

I started using the American Express Blue Credit Card thinking I was getting the advertised rebate of 5% everytime I used the card at my local grocery store. WRONG! Apparently, AMX Blue doesn''t consider my local grocery store, a grocery store. So they don''t pay the 5% rebate. What a CROCK!

If you think you''re getting your rebate everytime your use your AMX Blue credit card *or* any other rebate card, don''t believe it. Double check and if your card company isn''t doing what it advertises, change cards.

Most Attractive Feature: None.
Least Attractive Feature: Card does not pay rebate on purchases that are advertised by AMX.

Huge APR Increases

I had the Blue card for about 8 years and it was great for almost 5 of those years. I never had a late payment to them and my credit score is 824 but they still increased my rate from 9.99% to 27% due to a review of my husband's credit history. All of my cards have always been paid on time and the card is an individual account - my husband is not on it. That was not right. It is my longest held card and I keep it but do not use it due to the APR.

Most Attractive Feature: Customer Service in Distinguishable English
Least Attractive Feature: Rate Increases

Billing turn around

I came to this site and did my homework when I wanted to move some debt to a good card to pay down bills at a low interest rate. For the most part, Amex is what was promised on this site. However, imagine my shock when I received my first bill April 28th with a due date of the 29th. I called and customer service was good, but the upshot is the due date is 20 days from the billing date and allow 7 to 10 business days for you to get the bill. They do have a very nice online bill payment system with alerts and you can pay by phone for free. I just wanted people to be aware that if they sign up for this, especially in the first month, they should stay on top of the due date. When I received the bill with one day to go, I thought of many of the shady cards I had seen on this site - not what I expected from Amex. They did say I wouldn't have been penalized for not getting the bill, but who knows? Otherwise, the rate is great.

Most Attractive Feature: Great rate for life of loan
Least Attractive Feature: Billing turn around

No complaints

I have had my card for almost 5 years now and I have NO complaints. Low APR, high Credit Line, and very low maintenance. Rewards are always a nice surprise, since I dont keep track of my points all the time. If you can qualify for it, I suggest you SWITCH to it. But keep a Visa or MC backup in you wallet for those less "sophisticated" places....=-)

Most Attractive Feature: Just as good as anything else, but with free rewards.
Least Attractive Feature: Not as widely accepted as Visa or MC

Redeemable mistakes

I have ended up liking this card. I moved and had not been receiving my statements via mail. I'm pretty busy so I had forgotten about it. I called several times to correct my address and each time they said everything was okay, however, each month I'd get a late fee and my credit score kept dropping. I believe these cust srvs people tried to do what they could, they just didn't know how. Eventually I got fed up and called one last time to try and fix it. I got a customer service guy who actually knew what was going on. Despite it being my fault, I had the statements as online only, he sent a message to credit bureaus and retracted their negative rating of me. He also credited me for all the late fees I had gotten. This guy was GOLD! Since then I had been having really good experiences with AMEX.

Good things: Was recently awarded 3.99% balance transfer APR for life of balance. I feel like they actually care about my business. Get in with AMEX however you can they have excellent services besides credit cards. They have auto insurance, however, you have to have an excellent auto record which i don't. Thats probably why they didn't agree to take me on.

Most Attractive Feature: Excellent Customer Service!
Least Attractive Feature: Makes minimal mistakes

A pretty good card.

This is a pretty good card and my only complaint is that with a credit score of 759 i was giving an APR of 18.49% after the 0% intro period. I feel that over time i'll probably be able to get them to lower that so i'm not too worried about it at this point. I do like that they were generous with the opening CL and that they have regular reviews/increases. I also like the online account layout and the card's free rewards program. I plan to get years of good service with this card and would recommend it to anyone who can get it.

Most Attractive Feature: Getting regular CL increases and rewards.
Least Attractive Feature: APR a bit high and not always accepted.

Just wanted to mention credit rating scores...

There was a person on here, said some stuff about their rating in the 700's////

Top credit is 800's and above. So you are a B. Sorry to break news to you, but that is the facts. Average is 600-800, the top is 800+ and it caps at 900, below 600 is considered a risk.

Crazy to blame a card for your ranking. This information is clearly available online and from your bank. They probably didn't want to explain because of all the hysterical people who do not have 800+ thinking they have the best credit.

Most Attractive Feature: APR and transfer
Least Attractive Feature: none comes to mind