Amex Credit Cards

American Express first released the Amex credit cards in 1958. Before shopping for the card, potential cardholders should look at the annual percentage rate or APR, grace periods, annual fees, transaction fees and other costs, customer service, and other benefits. With the Internet, applicants can apply for the amex credit cards online. It takes Amex ten days to process the application. Once approved, a cardholder can activate a card online and have an online account. There are a variety of cards with different charges and benefits.

On the online account, the cardholder can transfer balances from other cards to the amex credit card. Cardholders can also ask for an increased line of credit, check charges, and receive statements on the account. Cardholders can request not to receive promotional offers on the account. Amex is vigilant about protecting credit card and online privacy through the Customer Privacy Principles.

Cardholders should pay as much as possible on their Amex credit card accounts. Paying the minimum balance increases the interest. Should the cardholder have trouble paying, he or she should contact Amex to work out a modified payment plan. Amex warns that people should be careful about going to a debt counseling company. They should make sure the company is credible. If the cardholder thinks there's an error in billing, a letter to Amex should be sent within sixty days after the first bill.

Amex credit card users can use the card in other countries. The charges will be converted to the right currency on the bill. Amex recommends that customers should carry two credit cards while traveling. The customer should carry the cards apart from each other so that if one is lost or stolen, another is available to use.