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The OPEN Guide to Credit

To American Express Cardmembers,

American Express has always believed that it is our responsibility to stand behind our Cardmembers, and in these difficult economic times that has never been more important.

Therefore, we remain committed to:

  1. Extending credit to Cardmembers and small businesses across the country and around the world.
  2. Providing world-class service and rewards to meet the needs of the world’s most discerning customers.
  3. Bringing integrity and fairness to all our dealings with our Cardmembers.

We have always provided our customers with the insights, information and tools they need to monitor and manage spending on their Cards. Over the coming months, we will be introducing a number of service enhancements designed to help Cardmembers better manage their spending in this economic crisis.

We will:

  1. Expand our online tools to help Cardmembers actively manage spending on their American Express® Cards.
  2. Help Cardmembers better understand and protect their credit profiles.
  3. Provide even more timely communication when we make decisions that affect Cardmember accounts.

Here is what you can do right now:

Go to americanexpress.com/managemycard and take advantage of electronic alerts that let you know when your bill is due, or when we might have detected fraudulent activity on your account. Learn about how to manage your account online to analyze what you spend, and set monthly limits for yourself.

If you are experiencing temporary financial difficulties, call us at 1-800-253-1709. We have a special program designed to help Cardmembers through these challenging times.

Serving our Cardmembers responsibly so they can buy – and borrow – what they can afford is at the core of what we do. That has not changed. It never will.

Kenneth I. Chenault signature

Kenneth I. Chenault
Chairman, Chief Executive Officer
American Express