I was thinking that but then thought maybe I was being paranoid.
I didnāt call them back but to be fair, I know it was them as they asked if an Apple Pay issue Iām having had been resolved during the call which allayed that fear.
I was at work and didnāt pay as much attention as perhaps should but they wanted payslips and bank statements, which has gotten my back up a little. Could understand one or the other but both seems a little overkill and Iām not entirely comfortable with.
They have indeed blocked the card.
I would have closed my account there and then. But then mine isnāt a Gold card, just Platinum 
Honestly it crossed my mind to do so but they said Iād get something in the mail to look over so Iām just waiting for that to land.
Also - since theyāve frozen the card it doesnāt appear to let me make a payment onto the balance, so I may as well wait a couple of days!
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Hence why mine are stored in a password management app too. Never need a card with you then 
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Within a week after the final confirmation.
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My card took around 2 weeks to arrive. It felt like a lifetime.
2 or 3 days from confirmation to receiving the card for me.
3 days last amex card I applied for.
Wasnāt long for mine - applied on a Friday, card was delivered the following Monday. Was quite impressed with turnaround on cards from them; my supplementary cardholderās card came in under 24 hours!
I just learned that Amex wonāt adjust a direct debit amount if you get a refund to the card after the statement is produced. Thanks to Monzo I could cancel my direct debit and pay the card manually, but thatās slightly annoyingā¦
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Once the statement is produced it probably sets off the direct debit process and canāt be stopped. Usually isnāt an issue.
This month I paid off my Amex slightly earlier than my direct debit. Amex have today credited my account of the direct debit amount so Iām way past my credit limit but itāll balance out itself. Nothing has come from my bank either.
Itās common practice for this to happen to be fair. IMO anyway.
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Oh interesting, youāre probably right. I think my Nationwide CC does it differently, but they might be an outlier.
I would be careful about this and contact American Express to clarify exactly how much money theyāre expecting from you.
Technically that refund doesnāt reduce the statement that youāve received, it will apply to your next statement so it may not reduce any minimum payment or balance due from you to avoid interest and charges.
Different card providers apply different logic to this though, so I would double check with Amex that you donāt need to pay and then request a credit balance refund from them.
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I spoke to them as I paid my entire outstanding balance but there was still a āremaining statement balanceā showing due to the refund. They said not to worry about it but I think the system could probably be better.
If youāve paid your remaining full balance though, a refund will be a credit to your account? So your balance should show a negative (ie. Amex owe you).
Several times recently Iāve either had a refund and they have notified me that the DD will be adjusted (on my charge card), or paid off my credit card and they have not taken the DD at all.
The refund was weeks ago so I just paid the total current balance to be sure there was nothing outstanding.
This normally is before the final statement is produced.