Apologies if already posted elsewhere. Just received an email from Amex notifying about a number of changes to the BAPP Amex card agreement and the rewards T&Cs, effective 02 October 2023

The key changes to the card agreement (from their email) are [my bold, except for the word "never" in the point about them never asking for personal info]
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Changes to your card agreement

We’ll make your terms and conditions clearer and easier to understand. We’ll also make these changes:

• we’ll remove the clause that says we’ll give you a pro-rata refund on any remaining cardmembership fees if the account is closed
• you can add no more than five supplementary cardmembers to your account and we’ll clarify the meaning of a supplementary cardmember
• your residential address for your account must be an address in the United Kingdom
• payments must be made from a personal account in your own name
• we‘ll clarify that we will never contact you and ask for the following: your full card number, your physical card, your full card PIN number or the password for your American Express online services
• we’ll clarify that the card is for personal use and not to be used for business purposes
• we’ll add information about Instalment Plans to your card agreement, this is an option we may offer you in the future and would allow you to repay a part of the amount you owe by fixed monthly payments over a set number of months. Your card agreement will provide more information on what an Instalment Plan is and how it would operate

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Appears to be a clampdown of some kind on card churning (I don't do this, so no expertise on the subject) and the use of the card for business expenses, which no doubt generate a lot of Avios. Not sure how they intend to define and police that one, I use the card occasionally for some business expenses but they are only a subset of my spend and would often be indistinguishable from similar personal expenses, eg flights booked with BA, taxis, restaurant meals. I have not read the detailed wording, the email says that the new agreement will be available to read in my account from 02 October, but also that if they haven't heard from me before that date, I am deemed to have accepted the new terms. Interesting.

There are also a bunch of smaller additional changes that are more in line with the kind of changes card issuers make periodically (e.g. clarifying how they calculate interest rates, fees etc).

The changes to the Rewards T&Cs seem less radical, though the one about how and when you earn Avios (my bold italics) seems worthy of further clarification about the detail:

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Additional Changes to your American Express Rewards Terms and Conditions

What is this document?

We explain that the American Express Rewards programme terms and conditions are separate from and additional to the terms and conditions of your Card Account Agreement.

Contact details

We’re adding a new section with our contact details.

How you earn Avios

We’re making it clearer when you will earn Avios, how much and how this is calculated.

Losing your Avios

We’re clarifying when you will lose your Avios.
We explain that if your Rewards Account is in a negative balance, then any Avios earned will be used to reduce your negative balance first.

Changes to these Terms and Conditions

We explain the reasons we may have for making future changes to your terms and conditions.

We also explain that you can close your Card Account at any time without charge if you are not happy with the change.

Removing you from the Programme or ending the Programme

We explain that you can close your Card Account at any time without charge if you are not happy with the change.

Taxes and duties

We’re adding a new section to explain that you must pay any tax in respect of any Avios you have earned.

Complaints about us

We’re adding a section with details on how to make a complaint.
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Hopefully there will be some way of reading the detail of these changes before they come into effect. I will possibly received a copy by mail.