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27-Dec-2017 10:58

In the Cardholder Reviews section of Cardratings.com, a credit-card information Web site, the green Am Ex earned the highest average rating (3.77 out of 5) of the 25 most-reviewed credit and charge cards, as of March 11.

There were twice as many positive reviews as negative ones, which, according to the site's founder Curtis Arnold, is unusual: Consumers typically use the reviews section to complain about bad experiences with their credit cards, he says — not to rave. Not according to Arnold, who cites the green card's high fees.

(American Express doesn't break down the number of users for its various credit cards, which at the end of 2004 totaled 39.9 million.) This ranks American Express a distant fourth to Visa (295.3 million cards), Master Card (271.5 million) and Discover (54.5 million).

But what Am Ex may lack in volume, it makes up for in customer loyalty.

But if your credit history is short or has a blemish or two, the seemingly high credit usage on the green Am Ex might lower your score enough that you are denied credit or are offered only loans with high interest rates.

American Express says it's working with consumer advocates and government agencies to ensure that other creditors understand the difference between a high balance and credit limit.

The smaller percentage of your balance you're using, the higher your credit score will be.

But the green Am Ex, along with the other Am Ex charge cards, has no official, preset spending limit, so American Express doesn't report one to the credit bureaus.

Otherwise, she says, "there are going to be times we're going to ask you to prepay the bill so we know you can cover these charges before we can approve future ones." For Sumiantoro, who had always paid her bills on time, this was dismaying.

The 42-year-old New Yorker loves the fact that she must pay her Am Ex balance in full each month, since it's a charge card rather than a credit card.



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