Originally Posted by
San Gottardo
You can get the same (or better) insurance cover, high spending limits, etc with many VISA and Mastercard programs. For instance my bank gives me a pack of four credit cards, one each in CHF, EUR, USD, GBP, a good loyalty program, excellent insurance cover, the full enchilada - for a fraction of the price of AMEX Platinum or Black.
well, probably in other countries,
but in France, requesting higher limits is sometimes a pain in the a**
the decision belongs to the bank
for instance, i have tried with multiple banks to raise the limit while having a solid positive balance on my accounts and this never happened and prevented me from spending my own money as wished
with Amex, no question asked
last time i was stuck aboard with my visa and was never able to reach my bank outside business hours
hopefully Amex can be called 24 hours a day
btw i'm not talking about the Amex Platinum here, just silver and gold
and i'd be more than happy to pay annual fees for an Amex than the cost of a package with my bank that includes a visa (or MC) with crappy services