Amex decides whether to approve a charge based on spending, payment, other Accounts, credit history and resources
You may use the Card to make charges. Amex decides whether to approve a charge based on how you spend and pay on this Account and other Accounts you have with us, and also considers your credit history and score and your personal resources that it knows about.
Details
Who
American Express (we)
What it does
Decides whether to approve a charge
Condition
Spending and payment on this Account and other Accounts with Amex; credit history and score; known personal resources
Supporting quotations
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.
We also consider your credit history and score and your personal resources that we know about.
Not stated here
The document does not list the weight of each factor or how "personal resources that we know about" are determined.
If a Spending Limit applies, exceeding it makes declines more likely, but Amex may still approve or decline charges
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, Amex is more likely to decline your charges. Amex may approve charges that cause your total balance to exceed the Spending Limit, and if so you must still pay them. Amex may also decline charges even if they do not cause the total balance to exceed the Spending Limit, and may change or remove the Spending Limit at any time.
Details
Condition
A Spending Limit is shown on page 1 of Part 1
What it does
May approve or decline charges regardless of the limit; may change or remove it at any time
Exception
You must still pay for approved charges that exceed the limit
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.
Not stated here
This public Part 1 shows no Spending Limit, so whether one applies to any Account is not stated here.
Account & Service Control · Permission or license
You may let merchants and third parties store your Card number and expiration date
You may arrange for certain merchants and third parties to store your Card number and expiration date, for example so a merchant can charge your Account at regular intervals or you can make charges using the stored Card information.
Details
Who
You (the Card Member), merchants and third parties
What it covers
Stored Card number and expiration date
Supporting quotations
You may arrange for certain merchants and third parties to store your Card number and expiration date
Account & Service Control · Restriction or exception
Amex may decline a charge, including for suspected fraud or creditworthiness, and is not liable for resulting losses
Amex 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. Amex is not responsible for any losses you incur if it does not authorize a charge or if any merchant refuses to accept the Card.
Details
What it does
May decline to authorize a charge
Exception
Not responsible for losses if a charge is not authorized or a merchant refuses the Card
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.
Account & Service Control · Company commitment
Your Pay Over Time setting stays in effect if you transfer 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.
Details
Condition
You transfer to a new Card with the same Account number
What it covers
The Pay Over Time setting remains in effect
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
Amex may issue Additional Cards at your request and may report their use to credit reporting agencies
Amex may issue Additional Cards on your Account at your request (Additional Cards include Companion Cards, if available). Additional Card Members can use your Account subject to the terms of the Agreement, and Amex may report their use of your Account to credit reporting agencies.
Details
Who
American Express (we)
What it does
May issue Additional Cards at your request; may report Additional Card Members' use to credit reporting agencies
What it covers
Additional Cards, including Companion Cards if available
Supporting quotations
We may issue Additional Cards on your Account at your request.
You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members.
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.
Not stated here
The document does not say whether the report to credit reporting agencies is made on the Additional Card Member's own credit file, the Primary Card Member's, or both.
Account & Service Control · Restriction or exception
You must notify Amex at once of address, email or phone changes, per Account; Amex may update your billing address
You must notify Amex immediately if you change your mailing address, email address or telephone number. If you have more than one Account, you must notify Amex separately for each Account. Amex may update your billing address if it receives information that the address has changed or is incorrect.
Details
Who
You (the Card Member)
What it does
Notify Amex immediately of changes, separately for each Account
What it does
Amex may update your billing address on information that it has changed or is incorrect
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 · Permission or license
Amex may at any time, for any reason, cancel the Account or suspend charges or features, and may reinstate it for a fee
Amex 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 terms of the Agreement. Amex may agree to reinstate your Account and any Additional Cards, and charge you any applicable annual fees and a fee to reinstate the Account.
Details
Who
American Express (we)
What it does
May cancel the Account or suspend charges or features
Condition
At any time and for any reason
Exception
You must still pay for all charges
What it does
May agree to reinstate and charge annual fees and a reinstatement fee
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.
Not stated here
The amount of the fee to reinstate the Account is not stated in this passage; a $25 re-opening fee is stated elsewhere, and the document does not say they are the same fee.
Amex may add, modify or remove any benefit, feature or service related to your Account at its discretion
Amex has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.
Details
Who
American Express (we)
What it does
May add, modify or remove any benefit, feature or service
Condition
At its discretion
Supporting quotations
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.
Not stated here
The passage does not state notice for such changes.