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Review of the American Express, American Express Credit Card:

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AmEx global card transfer program does not work

Anticipating a move from the US to the UK, I got am American Express card, planning on using their global card program to apply for a UK-based AmEx card once I arrived. This was highly attractive as it bases an UK application approval on the existing US credit card and credit score, a boon for expats establishing credit for the first time in the UK. Everything went smoothly with the American card, however my UK application was a big disappointment. They are very rigid in their evaluation process, and are entirely unable to appropriately handle non-conventional situations. In my case as an early retiree, they are unable (unwilling?) to look at my assets. I provided my tax return from last year which they were unable to read. I offered to point out the page and line where my income was reported, and they declined the clarification. They requested I spend money to have a UK-based accountant reiterate the income information provided on my tax return to allow the application process to proceed. Multiple millions in invested assets, $200+ income reported on a tax return, 20+ years of excellent credit in the US, and AmEx is unwilling to make the smallest effort to properly evaluate my situation and extend a credit card. I am deeply disappointed with this experience. I will cancel my US-based AmEx card and encourage everyone around me to avoid this company. Reviewed on: 8th July 2025

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