AMEX Lies to you
I already had an AMEX card and have had one for years with a yearly membership fee but a decent APR so I’ve kept it. First, a few years back they increased the yearly membership fee, then they dropped my Limit for no reason (I always pay on time and always pay off balances), then they went up on their APR. Now, despite the fact that I have a $6000 Limit and no balance on the card, they won’t do any transfers. When I called to ask about why they’re still not offering transfer opportunities after like 2 years they said I couldn’t do it on that card anymore but I was automatically qualified for the Blue Cash Everyday card and that I’d be able to make the desired $2500 transfer to it instead at 0% APR for the year and about 13.24%APR after that. So I said yes, went through the whole long spiel of terms, conditions, rewards info that I would have been receiving in paper format soon anyway. I wait a week, get my card, call to activate it - only to realize the APR paperwork says 23.24% and the AMEX guy on the phone says my brand new ‘fantastic’ card has only a $2000 limit. I hate AMEX!