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HammerUK says: (6 months ago)
 0
It gets worse! I had a £10K unused limit and in November 2006 opted for an 'ongoing rate of 9.9%' All I had to do to keep this rate was to make payments on time! Amex wrote to me in December and said use the card or lose it... so I used £5K's worth assuming correctly that I was still on the 'ongoing rate of 9.9% and within a few weeks they then increased the rate to 14.9%!! I have had 2 letters confirming their right to do this, but the terminology in the offer is at best ambiguous and I am now considering legal action. Apart from the legality of the terminology within the offer I think its particularly bad of Amex to encourage use of the card without mentioning that they are going to put the rate up by 50%!! I think that if I consult the right people that they might get the card rate down to 0% or cancelled without debt... so why do they play hardball over this.
(American Express raises interest rate)


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