American Express

This is where to post the names of places to boycott because they have anti-gun, anti-freedom stances or policies. Any posts advocating boycotts must explain the reasons for the boycotts including, if possible, documentary proof, such as links to business web sites or news articles.

American Express

Postby carracer » Wed 14 Nov 2012 9:13 am

I received a facebook message from my favorite gun store today. American Express is having a "Small Business Saturday" event after black friday. Gives Am Ex users a $25 credit on their card to shop at registered stores that are truly small business's. Great! Except... firearms dealers are excluded as being "controversial".

Well... needless to say, I won't be using my American Express card this year. Or in the future.

*For the purpose of this Program, qualifying small businesses include small, locally-owned storefront and online businesses with $10 million in annual revenue or less. Businesses in the following industries are excluded: government agencies, charities, non-profits, trade associations, shopping property management firms, political, religious and educational organizations. Small businesses that are part of a franchise brand with more than 100 stores are excluded. Additionally, if a franchise brand has more than 20 corporate-owned units, then the entire brand is excluded. Small businesses that promote any of the following are not eligible for the Program: pharmaceuticals, drugs, politics, pornography or sexual aids, diet aids, gambling, liquor, tobacco, firearms/weapons, or any sensitive topic with respect to current events.
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Re: American Express

Postby UtahJarhead » Wed 14 Nov 2012 9:22 am

Hack it up and drump it into an envelope with the reason you are cancelling your service.
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Re: American Express

Postby MisterB » Wed 14 Nov 2012 9:40 am

I don't see this as being anti-gun - I see it as AMEX covering their behinds.
You also can't use it at your mom and pop pharmacy, or other unmentionable stores in Evanston.

Look at it this way, Go buy a gift card from the Java hut or wherever you frequent - and spend the 25$ that you'd normally drop on coffee on ammo.

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Re: American Express

Postby divegeek » Wed 14 Nov 2012 11:01 am

Sad to say, my AMEX is worth far too much money to me to stop using it. It pays 6% cash back on grocery store purchases which, given my ravening horde of teenagers, means about $600 per year to me. The 3% back on gas is also non-trivial, and the 1% on everything else doesn't hurt.
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Re: American Express

Postby RustyShackleford » Wed 14 Nov 2012 12:21 pm

Be nice if the price we had to pay for things did't have to include a 3-6% markup for credit cards, especially Amercan's Expence.
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Re: American Express

Postby divegeek » Wed 14 Nov 2012 1:47 pm

RustyShackleford wrote:Be nice if the price we had to pay for things did't have to include a 3-6% markup for credit cards, especially Amercan's Expence.

True, and I think eventually competition will drive that out. For now, the best approach financially is to run every expense possible through a reward card and pay your bill off every month.

Actually, though, the markup isn't 6%... AMEX is clearly eating part of that cash back as a way to encourage consumers to ask their grocery stores to take their cards. Eventually that cash back percentage will have to drop, but I'll take all I can while I can get it.
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Re: American Express

Postby bagpiper » Wed 14 Nov 2012 2:23 pm

divegeek wrote:
Actually, though, the markup isn't 6%... AMEX is clearly eating part of that cash back as a way to encourage consumers to ask their grocery stores to take their cards. Eventually that cash back percentage will have to drop, but I'll take all I can while I can get it.


Remember, that the norm is for people to carry a balance and pay outrageous interest rates on credit cards. So the cash back doesn't have to come just from the merchant discount.

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Re: American Express

Postby bagpiper » Wed 14 Nov 2012 2:32 pm

RustyShackleford wrote:Be nice if the price we had to pay for things did't have to include a 3-6% markup for credit cards, especially Amercan's Expence.


Oft-times we don't. There are certain gas stations that give a cash discount. I've seen a few other stores that also give discounts for cash or, alternatively, charge a higher price for using credit cards.

I might have said that I can imagine the credit card discount is cheaper than what is lost to returned checks. But other than local grocery stores and utilities, does anyone take personal checks these days? :D

Of course, our position is often determined by where we stand. When shopping on-line I love free shipping...until I notice the rare instance where the store is just across town and I wonder how much I might save by picking something up on my way home from work.

I'm very much in favor of paying for what I use. I actually favor lower base fares on airline tickets with fees to pay for what I use. I'd rather not be charged $10 in my ticket price for a lousy domestic coach meal I probably wouldn't have eaten anyway. Keeping the ticket $10 cheaper allows me to spend my $10 on a meal I'll actually enjoy either before I depart or after I land.

The only caveat is that I really dislike having to dig to find the bottom line price. Mandatory fees should just be included in the base price and any truly optional fees should be clearly stated so I can easily comparison shop.

So in theory, I like the idea of listing fees separately. In practice, a single price that includes all the commonly used amenities (if I'm shopping online I'm generally going to have it shipped to me one way or another, the rare use of Walmart or Home Depot store delivery notwithstanding) is often so much more convenient as to be worthwhile.

If only we could repeal the laws that prevent on-line, direct sales of new cars. :D

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Re: American Express

Postby gravedancer » Fri 16 Nov 2012 7:11 pm

bagpiper wrote:Oft-times we don't. There are certain gas stations that give a cash discount. I've seen a few other stores that also give discounts for cash or, alternatively, charge a higher price for using credit cards.


Merchants arent supposed to be able to charge a surcharge (or different price) for those paying with credit cards. I know I was told by visa at one point I could lose the ability to accept visa cards for doing so. Maybe its changed recently though, since everyone seems to be fee happy these days.
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Re: American Express

Postby dewittdj » Fri 16 Nov 2012 8:38 pm

6%... 3%... 1%... awfully cheap sellout of principles... I'll support the 2nd amendment as long as it doesn't interfere with my cash back incentives... :shocked:
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Re: American Express

Postby jaredbelch » Sat 17 Nov 2012 2:14 am

gravedancer wrote:
bagpiper wrote:Oft-times we don't. There are certain gas stations that give a cash discount. I've seen a few other stores that also give discounts for cash or, alternatively, charge a higher price for using credit cards.


Merchants arent supposed to be able to charge a surcharge (or different price) for those paying with credit cards. I know I was told by visa at one point I could lose the ability to accept visa cards for doing so. Maybe its changed recently though, since everyone seems to be fee happy these days.


I believe that changed with the ”card” law about two years ago. It can be done now in certain circumstances.
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Re: American Express

Postby JoeSparky » Sat 17 Nov 2012 2:21 pm

I suppose the merchants could argue they are not making a surchage for CARDS, merely a discount for CASH!
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Re: American Express

Postby RustyShackleford » Sun 18 Nov 2012 6:49 pm

I accept Credit Cards for our Jobs because so many people are used to using plastic. An average Job is about $1,000. One of the things I hear from people that want to use either AEx or discover is the 1% cash back...I then offer them a $20 (2%)off if they want to pay by check...it is a win/win for both of us. And I could care less if the CC company frowns at me...I built this company, not them or Obama!
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Re: American Express

Postby Snaggle » Sun 18 Nov 2012 7:52 pm

RustyShackleford wrote:I accept Credit Cards for our Jobs because so many people are used to using plastic. An average Job is about $1,000. One of the things I hear from people that want to use either AEx or discover is the 1% cash back...I then offer them a $20 (2%)off if they want to pay by check...it is a win/win for both of us. And I could care less if the CC company frowns at me...I built this company, not them or Obama!


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Re: American Express

Postby BlingityBlang » Mon 19 Nov 2012 10:21 pm

I actually used to work American Express at the location on 2700 west. I worked in customer service for their "co-branded" cards which are the cards that are partnered with other companies such as Delta Skymiles, Hilton, Costco, JetBlue etc. I can tell you for a fact that all you have to do is make the purchase then call them when you don't get a statement credit and they will make an adjustment for you. I used to do it everyday for people. I don't know what kind of card you have but if it is a card with miles, points etc then you can also get them to give you free points for the inconvience. All low level employees have the authority to issue 5,000 points without management approval to any cardmember. Management has the authority to issue up to 25,000 points to a cardmember. I never worked with any of the cards that carry membership rewards (different department) but I know they also can issue points too. Just a little insight, but I would just do it anyways and then call and ask for the credit on your statement which they will give you no problem. I know this topic is more related to the policy of what are the exclusions for the small business saturday promo and I'm not trying to advertise for them or anything but just letting you know how to take advantage :wink:
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