- Original Poster
- #1
I've had an Amex card since 87, so that's nearly 40 years. Initially a green one, then a silverery one. I used it for large things when cash flow was tricky - a few months back, they replaced it with a new blue one - I guess because my cash flow requirements have dropped drastically and it's just a few pounds a month. Today, they tell me I can no longer make payments to it from my Santander business account. I am a sole trader, so all my money goes into the business account, and I take drawings and spend personal money from it. I just use the money paid to user to cover personal stuff. I used to pay off the Amex account this way every month, or if it was a business expense, it would have the correct business category applied. The personal card I now have cannot be used for business (the old ones were a personal card encouraged for business expenses) Their terms and condition meant my account needed 'reviewing'. I asked them to just cancel it, after 40 years of never being in debt. They didn't want to do that, but there was no option whatsoever. Personal card for personal, business card for business - no crossover! They tell me this is them being ahead of the industry. I call it daft. As a sole trader - my money is my money - it's all down to allocation in the accounts. HMRC, VAT, Pensions - all content with this, but not Amex. I didn't want the new blue card, the old one worked fine, but they changed (I suspect because I have become pension age) with no choice - here's your new card, accept the new conditions or bye bye - I skim read them, saw nothing nasty and just accepted it - keeping the quite decently high credit limit, just in case, as I have done for ever.
I feel pretty let down - I asked if she could see how much I actually owed? She said she would look. I asked why paying 99p for an apple storage bill was such a big deal. Her solution was to open a personal account with a mainstream bank, pay 99p into it from Santander, then pay them. Seriously! I guess I just don't owe them enough.
I feel pretty let down - I asked if she could see how much I actually owed? She said she would look. I asked why paying 99p for an apple storage bill was such a big deal. Her solution was to open a personal account with a mainstream bank, pay 99p into it from Santander, then pay them. Seriously! I guess I just don't owe them enough.
