Account & Service Control · Restriction or exception
American Express decides whether to approve each charge; the Card is for personal, family or household purposes only
You may use the Card to make charges. American Express decides whether to approve a charge based on how you spend and pay on this Account and on other Accounts you have with it, and also considers your credit history and score and your personal resources that it knows about. You agree to use the Card for personal, family, or household purposes only.
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Supporting quotations
You may use the Card to make charges. We decide whether to approve a charge, based on how you spend and pay on this Account and other Accounts you have with us.
You agree to use the Card for personal, family, or household purposes only.
We also consider your credit history and score and your personal resources that we know about.
Qualifications & exceptions
The personal, family or household restriction is something you agree to; the passage does not state a specific consequence.
Account & Service Control · Restriction or exception
If a Spending Limit is set, charges over it are more likely to be declined but may still be approved and must be paid
If there is a Spending Limit on page 1 of Part 1, the Account has a preset Spending Limit. If your total balance exceeds it, American Express is more likely to decline to authorize your charges, but it may approve charges that cause your total balance to exceed the limit, and if it does you must still pay for them. It may also decline charges that do not cause your total balance to exceed the limit, and it may change or remove the Spending Limit at any time.
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Supporting quotations
However, if there is a Spending Limit on page 1 of Part 1 of this Agreement, then your Account has a preset Spending Limit. If at any time your total balance exceeds this Spending Limit, we are more likely to decline to authorize your charges. We may approve charges that cause your total balance to exceed the Spending Limit. If we do, you must still pay us for those charges. We may also decline to authorize charges, even if they do not cause your total balance to exceed the Spending Limit. We may change or remove the Spending Limit at any time.
Qualifications & exceptions
Applies only "if there is a Spending Limit on page 1 of Part 1."
Not stated here
The public text of Part 1 does not show whether a Spending Limit applies to any particular Account or what it is.
Account & Service Control · Restriction or exception
American Express may decline a charge for various reasons and is not responsible for losses if a charge is declined
American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if your Account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if any merchant refuses to accept the Card.
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Supporting quotations
We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.
Qualifications & exceptions
The reasons listed are examples ("including").
Account & Service Control · Company practice
Your Pay Over Time setting stays in effect if you move to a new Card with the same Account number
If you transfer to a new Card with the same Account number, your Pay Over Time setting at the time of transfer remains in effect on the new Card.
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Supporting quotations
If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card.
Account & Service Control · Permission or license
Additional Cards may be issued at your request; their use may be reported to credit reporting agencies
American Express may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of the Agreement, and American Express may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards, it is shown on page 2 of Part 1 of the Agreement (the Annual Fee for Additional Platinum and Companion Cards is stated in How Rates and Fees Work).
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Supporting quotations
We may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.
You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members.
Qualifications & exceptions
Issuing Additional Cards is something American Express "may" do at your request.
Companion Cards are included in "Additional Cards, if available."
You are responsible for all use of your Account by Additional Card Members and anyone they allow
You are responsible for all use of your Account by Additional Card Members and by anyone they allow to use your Account, and you must pay for all charges made. You also authorize American Express to give Additional Card Members information about your Account and to discuss it with them. To end an Additional Card Member's ability to use your Account, you contact American Express. If an Annual Fee applies for an Additional Card, the refund policy is the one in the Closing or suspending your Account sub-section of Part 3; if a single fee covers a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed. In that sub-section, the Annual Fee is refunded if you notify American Express that you are voluntarily closing your Account within 30 days after the Closing Date of the statement on which the fee appears; that refund policy does not apply if your billing address is in the Commonwealth of Massachusetts when you close your Account.
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Supporting quotations
You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account.
If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.
Closing or suspending your Account:
If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears.
If your billing address is in the Commonwealth of Massachusetts at the time you close your Account, this policy will not apply to you.
Qualifications & exceptions
The Part 3 refund policy is stated not to apply to a Massachusetts billing address at the time of closing.
The refund wording in Part 3 speaks of closing "your Account"; this section says the policy applies when the Additional Card is cancelled.
Not stated here
The text does not say whether the 30-day window runs from the same statement Closing Date when only an Additional Card is cancelled, beyond saying the policy applies to the card on which the fee was assessed.
Notices are sent by mail, courier or electronically and count as given when mailed or delivered electronically
American Express sends notices by U.S. mail, courier or electronically using the information in its records. A notice is considered given when it is mailed or delivered electronically.
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Supporting quotations
We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.
Qualifications & exceptions
A notice counts as given when sent, not when you receive or read it.
Account & Service Control · Permission or license
You authorize American Express, affiliates and collectors to contact you by call, text, email or push
If American Express needs to contact you to service your Account or collect amounts you owe, you authorize it (and its affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact it, or at which it believes it can reach you. It may contact you in any way permitted by law, such as calling, texting, emailing, or sending mobile application push notifications, may use an automated dialer or prerecorded messages, and may contact you on a mobile, wireless or similar device even if you are charged for it.
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Supporting quotations
If we need to contact you to service your Account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you. We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.
Qualifications & exceptions
Purpose is stated as servicing the Account or collecting amounts owed.
Methods are limited to those "permitted by law."
Not stated here
This passage does not describe a way to opt out of automated calls or texts.
Account & Service Control · Restriction or exception
You must notify American Express immediately of contact changes, separately for each Account
You must notify American Express immediately if you change your mailing address, email address or telephone number, and if you have more than one Account you must notify it separately for each Account. It may update your billing address if it receives information that the address has changed or is incorrect.
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Supporting quotations
You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.
Account & Service Control · Restriction or exception
American Express may treat the Account as in default for violations, false information, bankruptcy or inability to pay
American Express may consider your Account to be in default if you violate a provision of the Agreement, give false information, file for bankruptcy, default under another agreement with it or an affiliate, or if it believes you are unable or unwilling to pay your debts when due.
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Supporting quotations
Default: We may consider your Account to be in default if:
you violate a provision
you give us false information,
you file for bankruptcy,
you default under another agreement you have with us or an affiliate, or
we believe you are unable or unwilling to pay your debts when due.
Qualifications & exceptions
Default is something American Express "may" consider; the last trigger rests on its belief.
Not stated here
The trigger "you default under another agreement you have with us or an affiliate" refers to other agreements whose text is not supplied here, so the card cannot say what a default under them involves.
Account & Service Control · Restriction or exception
On default, incapacity or death, American Express may suspend charging, cancel features and demand the balance
If American Express considers your Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately.
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Supporting quotations
If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:
suspend your ability to make charges,
cancel or suspend any feature on your Account,
require you to pay more than your Minimum Payment Due immediately, and
require you to pay your Account balance immediately.
Qualifications & exceptions
Each remedy is a "may" and is limited "to the extent permitted by federal and applicable state law."
Account & Service Control · Permission or license
American Express may cancel the Account or suspend charging or features at any time for any reason
American Express may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If it does any of these, you must still pay for all charges under the terms of the Agreement. It may agree to reinstate your Account and any Additional Cards, and may charge applicable annual fees and a fee to reinstate the Account.
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Supporting quotations
Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. We may agree to reinstate your Account, reinstate any Additional Cards issued on your Account, and charge you any applicable annual fees and a fee to reinstate the Account.
Qualifications & exceptions
No reason is required ("for any reason").
Reinstatement is at American Express's agreement ("may agree").