You can cancel the Card without paying fees only if you have not used the Account or made a payment after a statement
If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
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Supporting quotations
If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
Qualifications & exceptions
The wording joins two conditions with "or" ("not yet used the Account or made a payment on the Account after receiving a billing statement"), and the agreement does not say whether both must be true or either one is enough.
Account & Service Control · Restriction or exception
American Express decides whether to approve each charge, and the Card is for personal, family or household use 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 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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Using the Card: 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.
Account & Service Control · Restriction or exception
A Spending Limit, if one is shown, makes declines more likely but is not a hard cap and can be changed or removed
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 your charges, but it may approve charges that push the balance over the limit, and you must still pay for those charges. It may also decline charges that do not exceed the limit. American Express may change or remove the Spending Limit at any time.
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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
The sentence is conditional ("if there is a Spending Limit").
Not stated here
The Part 1 text in this document does not list a Spending Limit, so whether one applies to a particular Account is not stated here.
Account & Service Control · Restriction or exception
American Express may decline charges, such as for suspected fraud, and is not liable for resulting losses
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 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
Declined transactions: 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 are listed as examples ("including"), so other reasons are possible.
Account & Service Control · Company commitment
Your Pay Over Time setting stays in effect when 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 the transfer remains in effect on the new Card.
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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 · Company practice
Additional Cards are issued on request and 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.
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About Additional Card Members
Additional Card Members: 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 contact American Express to remove an Additional Card Member; fee refunds follow the Part 3 policy
If you want to cancel 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 in the Closing or suspending your Account sub-section of Part 3. If a single Annual Fee applies to a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed.
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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.
Not stated here
This section does not state the refund terms; they are in Part 3.
American Express can add, change or remove any benefit, feature or service at its discretion
American Express has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.
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Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.
Qualifications & exceptions
The wording covers benefits and features related to the Account in general; the agreement does not carve out any benefit.
Not stated here
The agreement does not say whether American Express will give notice before a benefit is changed or removed.
Account & Service Control · Restriction or exception
You must tell American Express right away when contact details change, and it may update your billing address
You must notify American Express immediately if you change your mailing address, email address or telephone number, separately for each Account if you have more than one. American Express may update your billing address if it receives information that it has changed or is incorrect.
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Changing your contact information: 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 on violations, false information, bankruptcy or doubts
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 American Express or an affiliate, or if American Express believes you are unable or unwilling to pay your debts when due.
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Default: We may consider your Account to be in default if:
you violate a provision of this Agreement,
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
The last trigger turns on American Express's belief, not on a missed payment or a court finding.
Not stated here
The list does not say which provisions of the Agreement a violation must concern, or what counts as another agreement with an affiliate.
The text of any linked document that this default trigger might point to is not supplied here, so this card cannot say what such a document contains.
After a default, incapacity or death, American Express may suspend charges and demand immediate payment of 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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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
The options are permissions ("may"), limited by federal and applicable state law.
Account & Service Control · Permission or license
American Express may cancel or suspend the Account at any time for any reason, and may charge fees to reinstate it
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, you must still pay for all charges under the Agreement. It may agree to reinstate your Account and any Additional Cards, and charge you any applicable annual fees and a fee to reinstate the Account.
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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.
Not stated here
This block does not state the reinstatement fee amount; another sentence in this section mentions a $25 fee for re-opening.
Account & Service Control · Restriction or exception
The Card is available only if you maintain an eligible Schwab account, and eligibility can change
The Platinum Card from American Express Exclusively for Charles Schwab is only available to you if you maintain an eligible account at Schwab. An eligible account is either (1) a Schwab One or Schwab General Brokerage Account held in your name, or in the name of a revocable living trust where you are the grantor and trustee, or (2) a Schwab Traditional, Roth or Rollover IRA that is not managed by an independent investment advisor under a direct contractual relationship between you and that advisor. Eligibility is subject to change.
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The Platinum Card® from American Express Exclusively for Charles Schwab is only available to you if you maintain an eligible account at Schwab.
An eligible account means either (1) a Schwab One® or Schwab General Brokerage Account held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Roth or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change.
We may change this Agreement, subject to applicable law.
Qualifications & exceptions
The Card Member Agreement also says American Express may change the Agreement, subject to applicable law.
Not stated here
The supplement does not say how or when a change in eligibility would be communicated.
American Express may cancel the Card Account and program participation if you stop maintaining an eligible account
American Express may cancel your Card Account and your participation in this program if you do not maintain an eligible Schwab account.
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We may cancel your Platinum Card® from American Express Exclusively for Charles Schwab Card Account (Card Account) and participation in this program if you do not maintain an eligible account.
Qualifications & exceptions
The sentence is permissive ("may cancel"); it does not say American Express will cancel, or give a grace period or notice.
Not stated here
The supplement does not say how soon after losing an eligible account the Card Account might be cancelled.