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Review of the American Express, American Express Credit Card:

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Extremely disappointing experience as a merchant.

Extremely disappointing experience as a merchant. American Express appears to make it far too easy for customers to initiate chargebacks, even where services have been fully provided, payments were authorised, and evidence has been supplied. As a locksmith business, we have encountered situations where customers receive the service requested, regain access to their property, request invoices and VAT information afterwards, and then proceed with chargebacks. The burden placed on merchants to defend legitimate transactions is excessive, while customers seem able to dispute charges with very little supporting evidence. This creates an environment where chargebacks can be abused as a tool to avoid paying for services that have already been completed. Businesses deserve protection too. There should be a fair balance between protecting cardholders and protecting honest merchants who have delivered the service paid for. Based on our experience, we have serious concerns about accepting American Express payments in the future. Reviewed on: 18th June 2026

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