AMEX Gold Charge Card

[mitchy123]

Hello All - One thing I noticed is that there is little to no discussion on the AMEX Gold Charge card. I admit its a bit of an inbetweener.....

I have this card as a backup, though I am considering making it my main card when my Citi Plat visa is due for renewal soon. I will just get a no fee visa as a backup for non-AMEX acceptors.

The main reasons I am considering this are

1. Better service with AMEX
2. Call centres are fluent English speaking Australians (don’t want that one to sound bad, but when I call up, I like to speak to someone I can relate to)
3. Annual fee is lower

Naturally there are some drawbacks with AMEX Gold Charge (acceptance, surcharges, no QFF transfer, I expect a lower credit limit). Nevertheless, after some painful experiences with disputing a couple of transactions on my citi card (both of which were fraudulent taxi charges), I am happy to pay extra for the customer service and peace of mind.

Disputing a charge with AMEX was such a simple and pleasant experience, and was sorted within a few days. One of the aforementioned disputes I raised with Citi took 6 months of hassling. Not really sure what is going on with Citibank these days.

After all of that, I am wondering if anyone uses Gold Charge card as their main card - and if there are any good/bad experiences? Does anyone have any other suggestions for customer service focussed cards?


Cheers

 

[acrylic]

always wondered, are Charge Cards for business users only, or can plebs like me get them instead of the credit versions?
Some of the terms/points seem better than the credit versions.

 

[mitchy123]

No, definately not. Any individual, with the right credit criteria - which is doesnt seem any stricter than regular credit card criteria, can get get a charge card.

There are, however, some corporate and business specific charge cards that AMEX and others issue.

Cheers

 

[jingles]

Naturally there are some drawbacks with AMEX Gold Charge (acceptance, surcharges, no QFF transfer,

You can still have QFF transfer.
If you pay $80 a year more you can enrol in Accent rewards which allows qantas direct sweep.

 

[acrylic]

QFF transfer is quite poor anyway, I want to dump my QFF card and get a good MR one

 

[mitchy123]

You can still have QFF transfer.
If you pay $80 a year more you can enrol in Accent rewards which allows qantas direct sweep.

I think you mean Ascent? On the Gold Charge card, I dont think you can transfer to QFF. I think you can with the Platinum Charge in that rewards program however

Feel free to correct me if I am wrong.....

 

[zig]

I think you mean Ascent? On the Gold Charge card, I dont think you can transfer to QFF. I think you can with the Platinum Charge in that rewards program however

Feel free to correct me if I am wrong.....

You are correct. Ascent allows you to transfer points to other airline partners, such as VS, SQ etc, but not QF.

I have a Gold Charge, but don't use it as my main card. I use the Amex Ultimate for majority of spending with points going to QF, but use Gold Charge for some things and this allows me to keep a balance of points that can be transferred to other airlines if and when needed. I like the flexibility this offers, not having all the points in the one pot.