ISSUE 048 · SATURDAY, OCT 16, 2021
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American Express

On the record

Charge and credit cards

Money DeskNew York, USamericanexpress.com
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The record

5,555 dispatches on file

Niklas HolmbergOn the record
Filed Oct 11, 2021
4 / 5

Shocked at how fast

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Lost my debit card on vacation and had a replacement at the hotel the next morning.

Torbjörn Nilsson
Filed Oct 11, 2021
5 / 5

Big win on the APR

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha. Great.

Ella LindströmOn the record
Filed Oct 11, 2021
4 / 5

Keeper.

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Iida JärvinenOn the record
Filed Oct 11, 2021
4 / 5

No fees, no fuss

Great.

Petra LarsenOn the record
Filed Oct 10, 2021
5 / 5

Refund hit at 7am

signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. App is clean, no popups trying to sell me a credit card every time I check my balance.

Hans Jørgensen
Filed Oct 10, 2021
5 / 5

Best rate I found

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Closing on the house happened 9 days early because the loan officer actually answered emails.

Jonatan ChristensenOn the record
Filed Oct 10, 2021
5 / 5

Call center was great

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. They refunded a double charge from the taxi without me even having to upload a receipt. Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Elsa VestergaardOn the record
Filed Oct 10, 2021
3 / 5

Not thrilled, not mad

chip reader on the card died after 4 months and getting a replacement took 9 business days which is insane in 2026. Opened a savings account for the 4.2% APY and they dropped it to 3.1% within two months with a tiny email I almost missed.

Christine HervéOn the record
Filed Oct 9, 2021
4 / 5

Worth switching for

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.

Anders Gustafsson
Filed Oct 9, 2021
5 / 5

Insurance paid out quick

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Clarissa McCarthyOn the record
Filed Oct 9, 2021
5 / 5

Aisha at the branch is a gem

Switched from my old bank in July and I'm honestly mad I waited this long lol.

Jonathan Carter
Filed Oct 9, 2021
5 / 5

Finally a card that works

App is clean, no popups trying to sell me a credit card every time I check my balance. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Mason JordanOn the record
Filed Oct 8, 2021
4 / 5

Mortgage closed early

Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Laura GoldbergOn the record
Filed Oct 8, 2021
4 / 5

Approved same day

Credit limit increase came through automatically after 6 months of on-time payments, no application. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Megan King
Filed Oct 8, 2021
4 / 5

Decent app, better humans

Closing on the house happened 9 days early because the loan officer actually answered emails.

Marco JenkinsOn the record
Filed Oct 8, 2021
5 / 5

Fraud caught in minutes

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Daniel Schneider
Filed Oct 7, 2021
1 / 5

Froze my card, no reason

Insurance claim took 47 days to deny and the reason given doesnt even match my policy document. Charged me $300 twice on a Tuesday and the app just said transaction pending for six days before anyone even looked.

Dennis MartinOn the record
Filed Oct 7, 2021
4 / 5

Painless, actually

They refunded a double charge from the taxi without me even having to upload a receipt. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Barbara JamesOn the record
Filed Oct 7, 2021
3 / 5

Serviceable

Dispute worked for a $240 duplicate charge but it took 47 days and I had to call three times just to check status. Decent. ugh the fraud alerts are so trigger happy, three declines in Lisbon last month and none of it was actually sketchy.

Helen RossiOn the record
Filed Oct 7, 2021
5 / 5

Big win on the APR

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.

Jean WilliamsOn the record
Filed Oct 6, 2021
5 / 5

Keeper.

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. Great.

Reuben PetersonOn the record
Filed Oct 6, 2021
5 / 5

No fees, no fuss

Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.

Ronald MurrayOn the record
Filed Oct 6, 2021
5 / 5

Refund hit at 7am

Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Roger DoyleOn the record
Filed Oct 5, 2021
1 / 5

Closed my account out of nowhere

The app logs me out every 90 seconds and the fingerprint login just stopped working last month with no update notes.

Michelle TurnerOn the record
Filed Oct 5, 2021
5 / 5

Call center was great

Had my identity stolen month-end and the fraud team called me, not the other way around.

Virginia GrahamOn the record
Filed Oct 5, 2021
5 / 5

10/10 would bank again

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.

Brittany ShapiroOn the record
Filed Oct 5, 2021
4 / 5

Worth switching for

No minimum balance, no monthly fee, I pay zero to use my own money which is wild. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.

Robert GreenOn the record
Filed Oct 4, 2021
4 / 5

Insurance paid out quick

Lost my debit card on vacation and had a replacement at the hotel the next morning. Had my identity stolen month-end and the fraud team called me, not the other way around.

Brandon BellOn the record
Filed Oct 4, 2021
5 / 5

Aisha at the branch is a gem

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Lost my debit card on vacation and had a replacement at the hotel the next morning.

Connor Wagner
Filed Oct 4, 2021
5 / 5

Finally a card that works

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Fei OuOn the record
Filed Oct 4, 2021
5 / 5

Mortgage closed early

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Advait ChaturvediOn the record
Filed Oct 3, 2021
4 / 5

Approved same day

Great.

Lihua CaiOn the record
Filed Oct 3, 2021
5 / 5

Decent app, better humans

signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. App is clean, no popups trying to sell me a credit card every time I check my balance. Closing on the house happened 9 days early because the loan officer actually answered emails.

Ziqi DuanOn the record
Filed Oct 3, 2021
4 / 5

Fraud caught in minutes

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.

Dhruv Awasthi
Filed Oct 3, 2021
5 / 5

Legit saved me

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. They refunded a double charge from the taxi without me even having to upload a receipt.

Komal AgarwalOn the record
Filed Oct 2, 2021
5 / 5

Painless, actually

deposit cleared same day instead of the 3-5 business days nonsense I'm used to. Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.

Anil RajanOn the record
Filed Oct 2, 2021
5 / 5

Shocked at how fast

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.

Kartik Bhardwaj
Filed Oct 2, 2021
5 / 5

Big win on the APR

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Arindam MishraOn the record
Filed Oct 2, 2021
5 / 5

Keeper.

Switched from my old bank in July and I'm honestly mad I waited this long lol. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.

Deepak NatarajanOn the record
Filed Oct 1, 2021
5 / 5

No fees, no fuss

App is clean, no popups trying to sell me a credit card every time I check my balance.

Priya PuriOn the record
Filed Oct 1, 2021
4 / 5

Refund hit at 7am

Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Debashish TrivediOn the record
Filed Oct 1, 2021
5 / 5

Best rate I found

Credit limit increase came through automatically after 6 months of on-time payments, no application.

Manoj KulkarniOn the record
Filed Sep 30, 2021
5 / 5

Call center was great

Closing on the house happened 9 days early because the loan officer actually answered emails. Credit limit increase came through automatically after 6 months of on-time payments, no application.

Ananya NandaOn the record
Filed Sep 30, 2021
4 / 5

10/10 would bank again

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Subrata ChopraOn the record
Filed Sep 30, 2021
5 / 5

Worth switching for

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Nitin DeshpandeOn the record
Filed Sep 30, 2021
5 / 5

Insurance paid out quick

They refunded a double charge from the taxi without me even having to upload a receipt. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Aditi OberoiOn the record
Filed Sep 29, 2021
4 / 5

Aisha at the branch is a gem

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.

Kaushik KapoorOn the record
Filed Sep 29, 2021
5 / 5

Finally a card that works

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.

Sunil JoshiOn the record
Filed Sep 29, 2021
5 / 5

Mortgage closed early

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Divya Grover
Filed Sep 29, 2021
5 / 5

Approved same day

Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.