Account & Service Control · Restriction or exception
You agree to keep balances within the Credit Limit and Cash Advance Limit
You agree to manage your Account so that your Account balance (including fees and interest) is not more than your Credit Limit, and your cash advance balance (including fees and interest) is not more than your Cash Advance Limit. Part 2 adds that you agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.
Details
Who
You (the Card Member)
What it covers
Account balance and cash advance balance, including fees and interest
What it covers
Plan balances, including plan fees
Supporting quotations
You agree to manage your Account so that:
your Account balance (including fees and interest) is not more than your Credit Limit, and
your cash advance balance (including fees and interest) is not more than your Cash Advance Limit
You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.
Where to ask about or view Points and Card benefits
For questions about additional Points on a purchase, call the number on the back of the Card. The agreement refers to americanexpress.com/rewards-info for more information about rewards and to go.amex/t4ZNPJ for detailed Card benefit information. You can view Points earned year to date by logging in to your online account and viewing your account summary page.
Details
What it does
Call the number on the back of the Card; view the account summary page online
Supporting quotations
For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.
You can view your Points earned year to date on the Card by logging onto your online account at americanexpress.com and viewing your account summary page.
For detailed information about Card benefits please visit go.amex/t4ZNPJ.
Not stated here
The pages at the referenced web addresses are not part of the supplied text and are not analyzed here.
Account & Service Control · Restriction or exception
A unique Marriott Bonvoy account is required; the Card Account may be cancelled without one
Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account.
Details
Condition
Each Card Member has a unique, active Marriott Bonvoy loyalty account
What it does
American Express may cancel the Card Account
Supporting quotations
Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account.
Not stated here
The passage does not say what makes a loyalty account "active" or whether notice comes before cancellation.
Account & Service Control · Restriction or exception
Using the Card; plans, cash advances and balance transfers are at American Express's discretion
You may use the Card to make charges. At its discretion, American Express may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by American Express or its affiliates. You agree to use the Card for personal, family, or household purposes only.
Details
Who
You (the Card Member)
What it does
use the Card to make charges; plans, cash advances and balance transfers only if permitted
Exception
No balance transfers from accounts issued by American Express or its affiliates
Why
Personal, family or household purposes only
Supporting quotations
You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates. You agree to use the Card for personal, family, or household purposes only.
Not stated here
The passage does not say what happens if the Card is used for another purpose.
Account & Service Control · Restriction or exception
You are responsible for Additional Card Members' use and authorize information sharing with them
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 authorize American Express to give Additional Card Members information about your Account and to discuss it with them. Contact American Express if you want to cancel an Additional Card Member's ability to use your Account. For any Annual Fee on an Additional Card, the agreement points to the refund policy in the Closing or suspending your Account sub-section of Part 3, which also applies to a single Annual Fee for a group of Additional Cards when you cancel the Additional Card on which the fee was assessed.
Details
Who
You (the Primary Card Member)
What it covers
All use by Additional Card Members and anyone they allow
What it does
Authorizes American Express to share Account information with Additional Card Members
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.
Not stated here
The refund policy is in Part 3 and is analyzed from that text.
Account & Service Control · Restriction or exception
You must tell American Express promptly if contact details change
You must notify American Express immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify it separately for each Account. American Express may update your billing address if it receives information that it has changed or is incorrect.
Details
Who
You (the Card Member)
What it does
notify American Express immediately of address, email or telephone changes, separately for each Account
Exception
American Express may update your billing address on information that it 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.
Not stated here
The passage does not name the source of the information used to update a billing address.
Account & Service Control · Restriction or exception
When American Express may treat the Account as in default
American Express may consider your Account to be in default if you violate a provision of the Agreement, you give it false information, you file for bankruptcy, you default under another agreement you have with it or an affiliate, or it believes you are unable or unwilling to pay your debts when due.
Details
Who
American Express
Condition
Violation, false information, bankruptcy, default on another agreement with American Express or an affiliate, or a belief that you are unable or unwilling to pay
Supporting quotations
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 wording is "may consider": default is a right of American Express, not an automatic result.
Not stated here
The last trigger rests on American Express's belief; the passage does not define what evidence supports it.
"A provision of this Agreement" means the Agreement text supplied here; any separate document it may refer to is not supplied here, and this card cannot say what such a document requires.
Account & Service Control · Permission or license
After default, incapacity or death, American Express may suspend, cancel or demand payment
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.
Details
Who
American Express
Condition
Default, incapacity or death, to the extent permitted by federal and applicable state law
What it does
suspend charges, cancel or suspend features, demand more than the Minimum Payment Due or the whole balance immediately
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.
Account & Service Control · Permission or license
American Express may close or suspend the Account at any time and 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 Agreement. If it later agrees to reinstate your Account, it may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.
Details
Who
American Express
What it does
may cancel the Account, suspend charges, or cancel or suspend features, at any time and for any reason
What it covers
Reinstatement may carry applicable annual fees and a reinstatement fee
Supporting quotations
We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, 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.
If we later agree to reinstate your Account, we may 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 reinstatement fee amount is not stated here; the Part 1 fee table lists a $25 fee when a cancelled Account is re-opened at your request.
Account & Service Control · Permission or license
American Express may add, change or remove benefits, features or services
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.
Details
Who
American Express
What it does
may add, modify or remove any benefit, feature or service related to the Account, at its discretion
Supporting quotations
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 describe notice before a benefit changes.