I got the same email yesterday.
Amex say itās so that you donāt end up with a missed payment if something goes wrong with your DD, and I like it. It always makes me anxious when the payment due date is the same as the DD collection date.
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Yep. Happened to me with my Tesco credit card a few years back. They collected the DD the day after the due date and charged me interest. Only took a phone call to sort it out but I still prefer the payment being taken early.
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They take it 10 days before the Payment Due Date currently so I canāt see why they need another 2 days. Furthermore, they send numerous notifications so if the DD wasnāt taken Iād know and then contact them. I canāt see that the further two days makes a difference. It seems they just want the cash earlier as it increases their cash flow. Iām not nervous about those CCs that collect on the PDD as if the direct debit fails it would be my bankās or the CC issuerās fault as I have sufficient funds to meet the DD.
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Slightly annoying change because it means my payment will be taken just before, rather than just after, pay day.
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They state you can call or use chat to amend this to suit your circumstances.
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Just got another Platinum card through the mail and this time itās through RM. The card itself is also tinted green again but my name, members since date, and the 4 digit code are all solid black and slightly embossed. Seems like whatever DHL uses messes up the black ink for the printed letters/numbers.
Either itās bad luck or cards after March 2024 started to get tinted green.
I just got a replacement Platinum card and the back is slightly embossed like the one Marius posted, but the front is completely flat.
The front details are actually horrible and quite discoloured already. Even the contactless symbol looks awful:
Straight to the drawer and not using this card.
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I find reading the 4 digit security number a challenge. It seems to blend in with the card colouring. Itās OK when I get the magnifying glass out.
Currently have the BAPP, just wondering do folk here use their amex for spend when travelling or use their monzo?
Planning a trip to the states and wondering if there may even be a different amex i should pick up before i go
Not really. Itās not fee free so unless you desperately needed points it wouldnāt be worth it.
I out my hotel on an Amex mind you, but thatās something I factor the fee into for.
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Fee free credit card when abroad unless itās a work trip, in which case Iāll use my Amex as Iāll be fully reimbursed for my expenses.
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As above, itās the only time I actually use Monzo as a spending card. Iāll only use my AMEX if Iām on a work trip as Iām able to expense it all.
Being able to pull AMEX statements by the way for individual transactions is perfect for this!
If youāre going to the US youāll want to consider Chase so that you have free access to their ATMs.
Unless I have an amex offer to make it worthwhile, I use a fee free credit card abroad, like Santander zero or MBNA horizons.
Abroad I will use another card without FX fees, unless itās for an Amex credit or something that needs to be paid with Amex to be covered by their insurance.
I always thought I could do this with other cards until I had to make an insurance claim and needed to show individual transaction on a Virgin card. Turns out they donāt do it and had to give my entire statement to the insurance people.
You can use the Amex to guarantee the booking and pay with a fee free card when checking out.
The points I get using the Amex outweigh the fee usually. Vast majority of stays have a cashback offer attached as well and are often pre-paid not flexible.
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