American Express® Gold Card Agreement

Use & Processing · Permission or license

You authorize American Express, its affiliates, agents and contractors to contact you by any means, incl. autodialers

If American Express needs to contact you to service the 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, such as calling, texting, emailing, sending mobile application push notifications or any other method permitted by law, including through an automated dialer or prerecorded messages and on a mobile, wireless or similar device, even if you are charged for it.

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

• Applies when contact is needed to service the Account or to collect amounts you owe.
• Methods are limited to those "permitted by law".

Not stated here

• The text does not give a way to limit these contacts or revoke the authorization.

Use & Processing · Permission or license

Paying by check authorizes a one-time electronic withdrawal, possibly the same day, and the check is not returned

When you pay by check, you authorize American Express to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account. Your payment may be withdrawn as soon as the same day it receives your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, it may instead process your payment as a check transaction.

Supporting quotations

When you pay us by check, you authorize us to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account.

When we do this, your payment may be withdrawn from your bank or other asset account as soon as the same day we receive your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, we may process your payment as a check transaction.

Qualifications & exceptions

• Applies when you pay by check.
• Withdrawal "as soon as the same day".

Not stated here

• The text does not say which circumstances lead American Express to process the payment as a check transaction.