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American Express Credit Cards Suck!
Posted by
A while back I got a few days behind on my AMEX Gold Card, which I had had for 20+ years. One of their rude representatives, from some unknown foreign land said my account was being closed for NON PAYMENT! I was NOT given the opportunity to go online and pay immediately.
I thought Oh Well! AMEX has lost my business, no big deal. Much to my surprise they went a step further and canceled my Platinum Card as well, which was NOT in arrears!
THEN they sold the 'collection' to several collection agencies, and of course my great credit score plummeted.
BUT I will get the last laugh! Every other person in our company stopped using their AMEX accounts for anything! and as the renewal comes up, the accounts or being closed! I am the Managing Parter, so guess who signs off on credit card payments!!!!
PLUS our business happens to be in an industry that sells American Express products! NOT ONE has been sold since the scenario started.
PLUS our business has stopped accepting AMEX cards for payment, unless the client has no other alternative. Our acceptance has dropped 95%
AMEX may have 'won the battle' but we have 'won the war'.
My credit score will rebuild, not too worried about that.
We just focus on Visa and Mastercards now.
Really do not want to hear from them, but feel better writing this note!
I learned that American Express does not value their long term card holders. I have heard this same story at Rotary and Chamber meetings from lots of other business owners!
American Express has now offered us to pay as low as 25% of the original amounts. BUT the damage has been done at the credit bureaus and they cannot reverse that!
The slime also took away many years of 'points' we had built up on both cards! American Express sucks!
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jktshff1 on 06/29/2010:
Interesting post. You got to admit. VH
JESS90069 on 06/29/2010:
Based on all of the other similar complaints I read after posting mine, I feel totally justified about saying "American Express sucks" in my opinion. For those who have not yet encountered the wrath of American Express and their illiterate foreign [India and the Philippines] telephone agents, who are RUDE RUDE RUDE, "Caveat venditor". AMEX and frankly any other American company should employ people in the USA! One airline with whom we do business closed their India operations after so many complains from clients. I/We can live without an American Express card! For sure!
Slimjim on 06/29/2010:
You stopped paying them because they closed your accounts for being late. While I can understand frustration and disappointment if your weren't that late at the time, bring up what they did to your credit and sending you to collection agencies like that wasn't something they shouldn't have done either, doesn't make much sense coming from a businessman.
Slimjim on 06/29/2010:
Wow, could I have made any more grammatical mistakes with that last post? Need coffee..
PepperElf on 06/29/2010:
I still do not see legal justification for refusing to pay bills.
regardless of your feelings on the matter, laws are still the same.
if you borrowed the money from them you owe it back.
and for a business-person I find it interesting that you are advocating not paying bills if you're mad at the company.
because then it means that none of the people who owe you money have to pay either if they say they're mad at you.
SAX on 10/02/2012:
Used to work for them.....will never refer anyone/client to them. The absolute worse. Their attitude is "do as we tell you or go somewhere else" Actually got to express my dissatisfaction with how the company is going with a family member and the way she was treating the employee at the store. Didn't care. Major attitude issues with Amex anymore.
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Ruining My Life
Posted by
I opened my American express card account in 1993. I loved this card. It was useful in emergency or when I was low on cash. I had a large sign and travel balance, which I paid along with my regular charges on time until May 2009. I was victim of identity theft. The negative accounts on my credit reports caused my credit card limits to be reduced on most of credit cards as well as my minimum payments doubled on these cards. I informed the credit companies and they refused to reduce my APR or monthly payments. It took nine months to get all the negative fraudulent information off of my credit report. BUT, none of the credit companies would reverse the APRs or minimum payments. So, I was using the AMEX card to meet my expenses. I realized that now my AMEX card monthly payment was too high for me to pay. I contacted AMEX and advised I was starting to have problems meeting my payment. They advised me to look into their debt management program. In the meantime, I enrolled into the Consumer Credit debt management program (June 2009) this was the only way I could reduce the payments and APRs on my credit accounts. The downside was that I had to close all my accounts. I called AMEX and asked if they participated in this program and was told yes, but I had to make 3 payments to them before they would accept me on this program. I was accepted in July 2009 or August 2009. I continued to get bills that said I was past due on my payments; even though my payment history showed that I was paying every month on time. I would call the "customer service number and be told to ignore my statements, because my account was in good standing. AND, the statements would be corrected eventually. BUT, AMEX started to report my account as past due. This lowered my credit score AND put the 1st negative strike on my credit history which I began over 20 years ago. After 3 days of calling every number I was told to call, I find out that I should have been told in May 2009, that I needed to pay all the outstanding payment "DUE" and if I did not pay it, I would be sent to collections. AND, I found out that the AMEX "debt management Division" doesn't have access to the AMEX "customer service" division information AND although my debt management account is current, I still must pay them $1000 and pay off amount due AND the AMEX Credit reporting division is an entity on to themselves and I must resolve all issues with them (RUDE PEOPLE?NO HELP AT ALL) In December, 2009, they did stop charging me late fees, and they did change my credit report to "collection" instead of "In collection. BUT, today I get a credit alert that AMEX has now stated that my account has been sent for collections and I paid the $983.00 earlier this month.
NOW, I am going to have to spend days calling and writing to AMEX again AND I need to move, but this is going to have my rental applications rejecting. WORST COMPANY EVER!!!!!!!!!!
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let me see? on 01/31/2010:
HUH? When you say you were the victim of identity theft, did they run up you AMEX card and other credit cards? If that is true you would not be responsible for any of those charges. And how did your monthly bill get so high you couldn't pay it? It sounds like you were using AMEX to meet your expenses, but were not paying the bill. All credit card companies are very aware of identity theft and know how to deal with it. It sounds like you couldn't pay the bill and can't believer AMEX is actually wanting the money you owe them.
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Hey Amex!! We won't be your pawns!
Posted by
The rash of recent actions by Amex is pretty predictable if you consider recent legislation imposed on the credit card companies. The banks and banking lobbyists are really unhappy about this recent legislation, and are likely taking the steps of reducing credit on good customers (and good customers FIRST, because they'll be the most vocal) with the intent of spinning the blame back onto the legislation, in hopes of getting it repealed or significantly reformed...ASAP. They are completely willing to leave good customers like us to twist in the wind, as they feel this will only help them better make their case. If successful in getting this new legislation changed to better suit them, you can be sure they'll try to woo us back right away. They are counting on us having very short memories, and will once again pander to our egos once they feel the time is right. Suddenly, the computer gods and their same contrived algorithms will deem us worthy once again.
Class action suits would likely be fruitless, as firms like Amex have armies of staff attorneys that strategize the extent to which thay can push the limits and still be able to defend their actions in court. And besides, only the attorneys win in class action cases. They get millions, we each get 87 cents!
Where I think they (Amex) has really screwed up is in underestimating the new power of social networks and blogs...many more people than ever before will realize they are not alone and they're not being singled out for anything that they did wrong, but rather that they are being used (and abused) for the sole reason that Amex doesn't like the "handcuffs" placed on them by this legislation. They always want absolute control, and will do anything to keep it, or in this case, to try to get it back. These egomaniacs want it both ways; to have the government hand them cash when times get tough, but then they get pissy when when that same government in any way limits their ability to do whatever they want, whenever they want, to whomever they want. They're all about free market capitalism, but only when it suits their need. And their need is to dress up their quarterly earnings, so as to justify handing themselves obscene bonuses. The problem they face now is that so much of that "bonus fuel" was generated by the punitive fees and usury default rates that the legislation will now limit.
I've read most of the reviews on this site, and the theme is very consistent: customers with great credit and perfect payment histories getting whacked right and left. Can't think of a good reason why this is happening? It's because there isn't a good reason. There is only the underhanded, immoral reason that they aren't happy about having something taken away from them, and they're just abusing us in an attempt to somehow blame the legislation and make it look bad.
The way to hurt them back is to spread the word (like we are here), and not forget, when times are good again, what they were willing to do to us today to try to get their way. NEVER FORGET! Don't forget the ruined vacations, the missed weddings and funerals, the evaporation of the liquidity desperately needed to sustain a small business.
Consider buying a share of AMEX stock. The symbol is AXP, and today a share costs about $38. Even one share gets you all the info you need to make a run at changing things. Communicate to the board, as a concerned shareholder, that the current path of the firm is misguided. Don't let them get away with describing their current actions as "prudent". Alienate a core segment of your best customers? That's not prudent, that's nonsensical, especially in this economic environment, unless there's an underlying reason that they're not being forthcoming about. Ask those board members if their parents would be proud of what they're doing to the honest, reliable, creditworthy customers they lured into depending on the credit they promised to provide. And for what? A bigger bonus? Job security? Bragging rights at the good ol' boys club?
The board of directors and top management are charged with setting policy. Current policy is abusive towards customers, and reflective of a nihilistic corporate culture that simply should not tolerated.
They only have control if we give it to them. Vote with your dollars and do business elsewhere. Let's use our power as consumers to hurt their bottom line and force the ouster of the board and top management that allows this abuse to happen. Membership has lost it's privilege, and the current corporate governance should lose their privileges as well. Perhaps a new board will have a more enlighted view of who takes care of them. It's not the comp committee, it's the customers!
The "strategists" behind all this truly are dirtbags. I suggest we work together in a concerted way to take out the trash!
Good luck to all!
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MSCANTBEWRONG on 08/27/2009:
Nice post.
Anonymous on 08/27/2009:
Right on! Helpful!
stfukthx on 08/28/2009:
I like that you advocate not using their services instead of just complaining about them. I wish there were more people like you.
amexcustomer26 on 09/01/2009:
Like your thinking!
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Unbelievably bad treatment...
Posted by
My complaint is about the American Express company and not the people within American Express who have tried to help me. The company has obviously made some major policy changes that are forcing the hands of the support people. Although I did find some compassion from their EMAIL support person who brought some sanity to the discussion.
I have been a member since 1981 and have always valued the American Express card for personal and business use. I always felt secure that I would never be embarrasssed presenting the card... but now.. something has changed. I had made an overnight payment several days before the statement closing date to ensure it was received on time. The payment was for greater than the minimum. One day after closing, I received a call that they had not received the payment and that they were suspending the account (they even commented that there had not been a late payment in years but had to suspend it.) I explained that I have an EXPRESS MAIL receipt, signed by one of their employees for the payment made that was 3 days prior to the close date. They did not want the receipt and basically made it my problem to prove via a cleared check that they had received the payment. They even suggested I just do another payment electronically to clear the problem. (and if the other check cleared then I would just be more ahead!)
This transaction forced me to write a complaint via EMAIL to AMEX. Here I received some sanity... this lady opened an inquiry to find out where my $4000.00 payment got lost and relieved the suspension. Finally, someone interested in customer service!
Two weeks have passed and still no resolution, no cleared check, and no posting to the account. BUT.. what do I receive in the mail: a notice reducing my other AMEX Optima account having its credit line reduced from $8000 to $1000! There was no balance on the Optima account, it is very rarely used, and is usually paid in full.
This was the final straw for me ... I have closed the OPTIMA account and will eliminate all balances on the AMEX shortly and probably close it upon next renewal. I hate to lose the comfort I remembered having as an AMEX Card holder but, maybe the company that nurtured that kind of relationship and trust is now extinct!
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Eloise on 07/22/2009:
You might want to think about online bill pay. It's perfect for this type of situation. I'm glad to hear that you are blaming the company and not the customer service representatives. Very Classy!
Soaring Consumer on 07/22/2009:
It would be a good idea to contact your bank to see if the check cleared and the money was transferred to AMEX. Then you would have the ultimate undeniable proof.
Anonymous on 07/22/2009:
They're f****cking everyone, even after they filed to be listed as a bank to get taxpayer bailout money. Welcome to the world of capitalism where the rich made the rules to screw everyone else.
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Don't get an American Express Card
Posted by
This company treats its customers with disrespect and as if they are sub human.
I was a long term customer. I never missed a payment. Due to my wedding I was using my American Express to make most of the payments. Just before the wedding I paid off several large amounts one up to $3000 just a few days before the wedding. We wanted to use that card for our honeymoon. Without notification they lowered my credit available to below my balance. I could no longer use the card. We struggled to come up with the cash to have our honeymoon. Thanks to some good friends and family we did. When I spoke to American express they said we were in good standing but they felt my credit was too high. It is not the company policy to inform its customers until after the available credit has been lowered. After speaking with a representative I cancelled my credit card with American Express and was told I could still see my account on line and get statements. I was also told I would stop getting statements once I no longer owed money. I made regular payments every two weeks for 2 months ranging from $250 - $1000 all well above my min balance. These jerks then called me today. Stating I missed my payment in June. The due date for my account was 5 June. I made payment on May 25 $250 and 10 June $500 and 15 June $1000. Since the 10 June and 15 June were after my due date. This should have been put onto my July statement. However, I got a call today stating I missed my July payment and that it was due today. It turns out American express has a period of 10 days after the due date where any payments made during this time would be on the previous bill. So I am now late due to some crazy policy this company has. Because my account was closed they denied me access to the online account and because I had an online account I no longer get paper bills. So I no longer get any access to how much money I owe. This company makes no sense. I have seen mentally handicapped children handle a lemonade stand business better. I will not use any of their products again. In fact I avoid places that only accept American express as a result. They treated me like a criminal and lowered my credit score because of some nuts company policy. I hate them and everything they have done to us as a result. I did have perfect credit until these jerk faces came up with insane ideas on how to keep customers. I would use harsher language but don't want to offend anyone. But take it from me. If a company every deserved economic hardship it is these Jerk Faces (man I want to say something worse there.)
These Jerks just about ruined my wedding, my honeymoon and now are just calling me nonstop about a payment I haven't really missed except in some fantasy world they have created they call customer service.
If you have a card with American Express, get rid of it fast.
If you are thinking about a card don't
If you think after this you are going to keep your card. Just shoot yourself now and save Darwin the trouble.
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NofriendofAX on 07/11/2009:
You're not the first nor the last person American Express will do this to unfortunately. Trust me continue to make your monthly payments and when they review your credit again, they will lower it again and again and again. They do this without warning! See no one is safe "leaving home with that stupid card".
MrsCatLady on 07/21/2009:
Thanks so much about the warning about not paying a payment on your card within 10 days after the due date or it will be posted on the previous month's bill...I am sure they get many people this way. I just cancelled my card after they jacked me and will be paying them off for many years to come I am sure.
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Someone help me!! Help me fight American Express
Posted by
I need some advice. I was approved for an American Express Gold Card, whicb made me preety happy. Today I'm furious!
When I first got the card I called customer service to learn about benefits. I was told " you have to pay full bill each month." then I inquired about Travel and the guy said "oh yes you actually have a plan called Sign and Travel which allows you to book travel and pay it in payments. Last week I called to get my payment amounts and I was told " oh yeah Mr. Ruiz you definitely have the plan, but the bill hasn't posted call after Feb. 8th.
I called Feb 8th and they screwed me! " I'm sorry sir you don't qualify for this plan, you have to pay 650 dollars by Feb 21" I screamed! I was so upset. I told her check the notes! I asked one of the reps to put notes reflecting that I called and that I was told I had the plan.
They said " I'm sorry you were told misinformation and while I believe yiu were misled, YOU MUST PAY FULL BAlANCE. I made a few calls and sent some emails and they won't budge. These sharks!! What can I do!?
Tony Ruiz
S4delta@Yahoo. com
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tnchuck100 on 02/12/2011:
What can you do?
1. Spend more time researching these companies on websites such as this one.
2. Read their customer agreement BEFORE signing up.
3. NEVER rely on anything you are told on the phone by a customer service representative. They will invariably deny everything.
EDUCATION is what you get when you read the fine print.
EXPERIENCE is what you get when you don't.
Anonymous on 02/12/2011:
Use another credit card to pay this AE card off in full. (Take a cash withdrawal, if you need to.)
Remember: If you don't have it in actual writing, it ain't true.
jesusucsb on 02/12/2011:
Thanks, but they even admitted "we see the notes, we believe you were given misinformation. But sorry. You still need to pay full amount or we cancel card and take you to collections."
DebtorBasher on 02/12/2011:
With all due respect Toto, I would never advise someone to take cas withdrawals from a credit card. The fees on cash withdrawls are sometimes triple that of a purchase and it is always the last thing a payment will go towards. All payments will go towards whatever purchases are on the card BEFORE it even touches on the cash advantances which will just keep adding up the fees at the high rates. I learned my lesson fast with it came to cash withdrawls on credit cards.
Anonymous on 02/12/2011:
Hey, the OP was asking for help on paying a credit card balance in full. Can you think of another, logical place a person can get $650 to pay a debt like that? Every sane person knows not to take a cash withdrawal from a CC, but sometimes you got to do what you got to do....
Anonymous on 02/12/2011:
I would pay it off, and cut up the card. Screw em.
CrystalSword on 02/12/2011:
And my family wonders why I don't have major credit cards!!
tnchuck100 on 02/12/2011:
The trick is knowing how they work and making them work for you. NOT you working for them.
Use it to pay for things you may need a recourse on. Pay the bill in full every month. They CAN work for you.
jesusucsb on 02/12/2011:
Please tell me. Can I sew? I know about the rules and regulations. But they have admitted thAt I was misled.. You would think. They would say "OK we will let you make payments."
tnchuck100 on 02/12/2011:
No, there is no basis for a suit here. Even though they admitted verbally they misled you they will deny it in front of a judge. As Toto indicated, if it ain't in writing it don't exist.
Besides, they will stand behind the corporate "contract". No employee can modify it verbally or in writing.
jesusucsb on 02/12/2011:
Nooooooo. You don't undersand. I have it in an email. I have an email from AMeX. A person says "I'm sorry you were given misinformation" its an email. I do have proof.
tnchuck100 on 02/12/2011:
You can try but as I said they will stand behind the corporate "contract". No employee can modify it verbally or in writing. You can probably find a statement to that effect in the agreement.
jesusucsb on 02/12/2011:
Thanks sir.. I'm an Army Vet. Glad to see I served and fought for pieces of garbage. OK thanks everyone.
Anonymous on 02/12/2011:
Sue? For what? At the end of the day, you still owe the money, whether you owe it right now or later (with interest). How much money do yo think an attorney will charge you? Just pay the bill, and don't throw your vet status into the mix. You didn't serve your country so you can sue companies who lent you money.
tnchuck100 on 02/12/2011:
I just looked at the Gold Card agreement and it looks like you should have been able to make payments. There must be something one of us has missed.
Anonymous on 02/12/2011:
My partner has the AE Optima card. We love it.
jesusucsb on 02/12/2011:
What? Really? Can you please give me a link...
And please I'm not conplaining. I want to pay bill. But when I'm threatened with "you must pay in full by Feb 21 or we cancel your card and go to collections, that's not fair.
tnchuck100 on 02/12/2011:
jesusucsb on 02/12/2011:
Thanks Sir!!!!!!!! ;)
jesusucsb on 02/12/2011:
Chuck what pae did you see it at, where it says YOU CAN MAKE PAYMENTS?
Anonymous on 02/12/2011:
Page 3 of the PDF seems relevant to your situation ("About Pay Over Time features").
What's most important is not this PDF, but the specific information they provided to you when you opened the account.
Notable: "If you enroll in Sign & Travel, we will automatically place eligible travel-related charges into a Pay Over Time balance." (Note the word "eligible.")
"A charge is eligible if it equals or is more than a certain dollar amount. We will tell you this amount when you enroll, and it is subject to change."
tnchuck100 on 02/12/2011:
I saw a reference to "minimum payments" and assumed that it operated as a typical credit card. Upon CLOSER examination I saw that only certain transactions MAY qualify for payments. But, as you found out already, it DOES state the entire new balance is due upon receipt of the statement.
Unfortunately they've gotcha. Pay 'em off and be done with 'em.
jesusucsb on 02/12/2011:
Right, but they are telling me "You were never eligible" That's where the whole misled thing started. I was told Yes you have this program. Now they say, I never had it
jesusucsb on 02/12/2011:
No, I told them "I'm not paying you whole amount. I'm paying you half this month half next month, You lied to me. So this is what I will do... I told them to go pound sand.
tnchuck100 on 02/12/2011:
Well, they have shown their true colors. If I were you I would have nothing to do with American Express after this.
If you will read some of the reviews on this site you will find that American Express has spit on many of their customers.
jesusucsb on 02/12/2011:
Response (Karan Singh Matharu) 02/12/2011 12:44 AM
Dear Jesus Tony Ruiz,
Thank you for taking your valuable time to email us.
I truly understand your concern regarding this matter. It is certainly disappointing that a Valued Cardmember like you did not receive a level of service that you truly deserve.
Please be assured that I have shared this information with the concerned department, so that they may look into this issue.
I have checked your card account and see that currently it is not enrolled in flexible payment option (Select and Pay Later). Enrollment in flexible payment option is by invitation only. Card accounts are reviewed regularly and invitations are sent as per policies and procedures.
Therefore, in order to assist you with this issue, I kindly ask you to contact our Account Services at (800) 842-5303 (24 hours a day - 7 days a week). From overseas, please call collect at (336) 393-1111.
I would like to assure you that when you contact our Account Services Department regarding your concerns, they will not only provide you with the required information but will also take appropriate actions to provide a satisfactory resolution to you
For your convenience, I wish to inform you that your American Express Gold card is a charge card. Therefore, the âPlease-Pay-Byâ Date (February 21,2011) on your statement is a reminder date. As long as we receive your full payment by the next billing date (March 09,2011), your account will be considered current.
We look forward to hearing from you and always consider it our privilege to be of service.
Sincerely, Karan Singh Matharu Email Servicing Team American Express Interactive Services
Anonymous on 02/12/2011:
If you pay half now and half later, what are they going to do? Probably nothing, but hit you with a big fee. As long as you are paying something, I doubt they will "turn you in."
It looks like AE allows "Pay Over Time" for travel expenses on a case-by-case basis. You weren't misled per se, you just misunderstood.
"Select & Pay Later lets you pay a charge over time in two ways. You may ask a travel industry merchant at the time you make the charge, or ask us after the charge appears on your statement. If we approve your request, we will place the charge into a Pay Over Time balance. If we decline your request, you must pay the charge in
full upon receipt of your billing statement."
tnchuck100 on 02/12/2011:
Looks like a canned response with zero sincerity and no acknowledgment of your issue whatsoever. Just a "pay us or die" attitude.
jesusucsb on 02/12/2011:
I was misled I was told "Yes! You have this plan, Just book the flight.. "
I was never told that it needed to be approved.
jesusucsb on 02/12/2011:
Response (Joy Blanchett) 02/10/2011 08:55 PM
Hello Tony Ruiz,
I contacted Customer Service on your behalf and received the following response:
I am really sorry for the wrong information provided to you regarding the Sign and Travel option. I understand that you are upset because of this. I have forwarded a feedback to the concerned department. Please know it will be shared.
Regrettably, I see that your account is not yet eligible for the Pay over Time feature. If you would like to speak to someone regarding this matter, please contact our Account Services Department at (800) 921-6490 (24 hours/7 days).
I am sorry that we cannot assist you with this inquiry via email.
Sincerely, Joy Blanchett Email Servicing Team American Express Interactive Services
jesusucsb on 02/12/2011:
AS you can see, they admit I was given misinformation.... But still PAY US...
trmn8r on 02/12/2011:
Is not an American Express Gold Card a *charge* card, and not a credit card? In other words you have to (and always have had to) pay it off each month?
I have to believe this is stated in the disclosure, and thus if I thought that I had a deal that allowed "pay over time" I would check darned carefully before going for it. The card terms are what rule.
I would put my effort into figuring out how to pay it off ASAP and avoid collections, not trying to file a lawsuit against them.
jesusucsb on 02/12/2011:
TRMN, Do you not read... I was told by the Customer Service people... "YOU HAVE THE PAY OVER TIME FEATURE!!! " Do you not realize this..
I was lied to.. And in the email I have, they admit to such.. This is the point.
trmn8r on 02/12/2011:
Go ahead then, file a lawsuit. Good luck.
My point is that it makes no sense to be able to pay anything over time with a card that must be paid off each month, if in fact those are a Gold card's rules.
tnchuck100 on 02/12/2011:
What did they say when you told them half now and half next month?
jesusucsb on 02/12/2011:
The lady said "again, I apologize for being deceived, I would be mad too, I will make a note that you won't be paying in full...."
That's all...
tnchuck100 on 02/12/2011:
Please come back and tell us what happens on the next billing statement. My guess is they will ad a late fee of $35.
jesusucsb on 02/12/2011:
trmn, Again, do you not read? They have a plan called "SIGN AND TRAVEL" Which I was told "Yes, You have this plan!" which allows you to make a large purchase, I.e. travel and make payments. This is not getting gas at an Arco! And then they told me, "You never had the plan"
Get it?
jesusucsb on 02/12/2011:
I just hope that I don't get collections calls, that's my only worry.....
trmn8r on 02/12/2011:
It turns out I can't read. Whatever you said - it must be right. That business about a Gold card always having to have been paid each month, since they started in 1986, I take that back. I don't know what I was thinking. {hits self}
Slimjim on 02/12/2011:
I don't blame the poster one bit for being upset and he/she has every right to. I doesn't matter what the gold card generally has for a pay back scenario, and it doesn't matter whether he/she bothered to "read the fine print", AMEX is totally at fault here. They should know quite well what terms they gave this poster and what they didn't. They told him/her there was time payments, the poster made a purchase based on that, then AMEX said nope sorry, we were wrong and need full payment. How can that at all be debated as if the poster was in the wrong or didn't perform enough due-diligence?
Sassy2 on 02/13/2011:
You could ask Amex if you can take this matter to arbitration? If not I'd get another card and pay them off they are not worth your time and certainly do not deserve any more of your money.Good Luck
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Amex USED to be good. Those days are gone
Posted by
I've used Amex for YEARS for purchases. I spent approximately $500,000 per year as I used my card for business purchases and have been doing so since 2003. My purchasing follows a very specific pattern. I spend large amounts in February -> June and it tapers down after that, until the next February -> June.
For years everything was fine and their customer service was top notch. In 2008 something changed radically. Different departments could no longer communicate and it seemed as if Amex had divided into dozens of separate companies, none of which had any control over your account.
Ultimately, in 2009 I followed my normal spending pattern, only to have the card stop working on day. I called and was told, "You need to pay $10,000 on this card immediately or we can't allow you spend more (nothing was due at the time." I asked the rep, "if I make this payment, I can spend $10,000, right?" and was ASSURED that was the case. So I made the payment.
I spent about $3,000 more and the card was cut off again. I was then told there was nothing they could do and unless I paid another $10,000 immediately (still nothing was DUE) they wouldn't allow me to use the card. They told me the other representative must have made a mistake when they told me I would have $10,000 to spend. I promptly told them where to stick it.
I spent the next several weeks burning through nearly 1 million rewards points. Paid the card in full and told them to close all my accounts with Amex, as I wish never to do business with their company again.
Today I receive a phone call about an account that should have been closed. They were "reducing my credit line". LOL.
So I closed that account, that should have been closed last year and I am glad they reminded that I still needed to write this review to warn people not to do business with American Express.
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Wish there was a Class Action Suit, 25 Years, Gold Card, Joke!
Posted by
I have been a loyal American Express member since 1984. I have used the card for years for business purposes and have never missed a payment. Last week, I was checking into a hotel and was informed that my card was cancelled. As I had never been late with a payment and knew the card was current, I was sure that it had to be some fixable error. I called AMEX to get it straightened out. The exact opposite happened; the non-English speaking representative confirmed that indeed my card had been canceled because of a negative credit report.
Since 2005, when Hurricane Katrina wiped out my business and finances, my credit score has suffered. I have always made sure that I was current on my American Express bill, as I would need that card to help rebuild my future after the devastation of the hurricane. My score right now is the best that it has been in 4 years.
The big question is what my loyalty has cost me. I hope there is a class action lawsuit soon that sues for damages caused by their neglect of loyal customers.
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saj80 on 05/11/2009:
A class action suit would have no merit, as AmEx (and All Credit Card Companies) are operating within the fine print on their contracts. What they are doing is not illegal, merely immoral.
Anonymous on 05/11/2009:
I am sorry to hear about your experience, but a class action lawsuit would accomplish nothing but line the pockets of a few attorneys. Your card is cancelled, and in return if your business has accepted American Express in the past I would hope that you would terminate that agreement as well. Turn it around on them, and "cancel" them! Good luck to you and your business.
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Harassing Phone Calls & More...
Posted by
I have been a member in good standing with Amex since 1981. My credit rating is good and I pay my bills on time. In the last few months, I have received a phone call well in advance of the due date for payment asking me to pay my bill immediately. They even offer to arrange the payment over the phone. Today (1/11/09) I received a call saying they suspended my card until I make my payment. I asked why and they said that the credit report they have from Experien showed late payments and too much debt.
I went to the Experien site to check my report. I can't find any record of late payments and my credit score is in the 700's. I then tried to get the cardmember services agreement from the Amex website (it was not available) to see if they had the right to do this to me. My husband considers this harassment and wants to sue them. I am curious if anyone else has had similar experience.
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Soaring Consumer on 01/10/2009:
They are not allowed to solicit for a payment or suspend your account if a payment is not yet due.
I'd contact the FDIC.
DebtorBasher on 01/10/2009:
When I worked for Chase, we always called for payments before the due dates. But we were to tell the customer that it was a "courtesy" or "Reminder" call, not a collection call...though we worked in the collection department. They had us do that so Chase can push to make their monthly quota. And NO, I don't agree with doing that.
madconsumer on 01/11/2009:
not the fdic,,, it is the ftc.
Soaring Consumer on 01/12/2009:
Yes the FTC. My mistake.
Anonymous on 01/13/2009:
Amex used to call me with these 'courtesy calls'. DB is correct. Not mentioned, was that the Amex collections agent making these calls gets a pat on the head or other spiff if the gullible customer pays the amount early during the call. Of course they lied to you about the reasons for the courtesy calls...they are bill collectors and they can't help themselves and lying is part of the job description. Anyway, I simply told them to stop calling me or I would cancel my cards. They stopped immediately.
concernedfather on 08/11/2009:
I was late once on my mortgage payment with Citibank and they did they exact same stunt where they claimed it was a "courtesy call".
amexblack on 06/27/2011:
I have a Black Amex...I always pay my bill EARLY....and for the last 6 months I keep getting these harassing calls from them asking if they can go ahead and take my payment now....about 2 weeks before it is even due. They gave me the same BS, that the Experian report shows I have a lot of debt. Well guess what you idiots, I am a business owner, my personal income is more than 7 figures.....don't you think I would have a lot of debt? That's why you sold me on the black card....so I could charge a lot on it. AMEX needs to stop aggrivating the consumer, especially the ones that charge a lot and pay early. Everyone needs to remember that they make 3% to 5% on every charge we make with them. Sorry to say but I think I may have to start giving my business to Visa.
Frustrated with courtesy calls on 01/10/2014:
I have carried a balance month to month on Amex for a very long time. I have been a card member since 1998 and in good standing. They have been doing these courtesy calls for the past 3 years calling up and demanding payment early or they will shut off your account until it is paid in full. I use my card to travel for business each month and I usually wait 3 weeks to get my expenses back. No courtesy or consideration for this is shown despite the fact that I spent 35,000 last year with them. They are a bunch of thieving crooks now. They always want money, demand you set up payments early and call it a courtesy. It's a collection call. Don't piss in my face and tell me it's raining. I threatened to report them for harassment, they finally stopped but every month there is a day that they call and call. Crooks
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Amex Lowered My Limit Too
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HAWAII -- On 12-31-08 I put in an order to the same vendor I have used for some time asking them to put it on my American Express Gold Card on file. I was called back saying it was declined. So I call Amex thinking they had made a mistake or didn't receive my last payment for some reason. I was informed my limit had been lowered to $1600, (which coincidentally was what was owed on the next months billing). Got the same run around I have been reading on this review site etc. etc. My business with Amex will be ending, as I've seen many are doing on this site. However, I would like to make a suggestion as to what I plan to do. Don't cancel your card, use it once a month for 20-100 dollars. They will still have to send you statements (request mailing not online) do the paper work, for literally no return (2% from the merchant) which brings me to my next plan. I have a small business ($400,000 annual revenues) that as of today no longer accepts American Express. They aren't getting revenue through my store.
This is my first review but I will be posting all I can to as many places as I can; please help me pass the word.
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Anonymous on 01/01/2009:
I am glad that you are cancelling your merchant agreement with AMEX. I disagree with keeping the account open. Regardless of what percentage of a return they get I don't want to waste my time with a company who thinks so little of their customer. I severed my ties...I am done. I do not want to be associated with this company at all anymore. I do not want their card in my wallet, I do not want to see their billing statement in my mailbox again... I do not ever want to hear their BS story telling me what a valued customer I am, as they have so many times before, after they've shown they do not value my business at all.
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Gerek yurtiçi gerekse yurtdışı seyahatlerinizde kendinizi ve ailenizi Travel Guard Seyahat Sigortası'nın Türk Hava Yolları'na özel fiyatları ile güvence altına alabilirsiniz.
Travel Guard seyahat sigortası poliçesi, seyahatin başlangıç noktasında sigorta düzenleme lisans ve yetkisine sahip olan American International Group bünyesindeki sigorta şirketi tarafından hazırlanmıştır.
Bu seyahat sigortası THY ile seyahat eden yolcular için özel olarak hazırlanmış olup, sigortanın geçerli olabilmesi için uçuş tarihleri ve seyahat sigortası tarihlerinin aynı olması gerekmektedir.
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The most Exclusive Store of the Sky is OpenNow Miles&Smiles members can shop and earn miles, or buy anything they wish with their miles on shopandmiles.com.
Double New Year CelebrationWhat if you could celebrate the New Year twice? Join "Double New Year Celebration" and be our guest* to celebrate the New Year's eve 2015 first in New Zealand, than celebrate it again in Hawaii!
Frequency of Bordeaux Flights to IncreaseIstanbul-Bordeaux-Istanbul flights are already being operated as 4 flights per week, the frequencies will be increased to 5 flights per week as of Dec. 1, 2014.
Turkish Airlines Launches a New Route to KhersonIstanbul – Kherson (KHE) – Istanbul flights are planned as 4 flights per week and will be launched as of October 15, 2014.
Art By Chance is waiting for your 'Discover' themed 30 sec. short filmsTheme of this year's festival, with the sponsorship of the airline that flies to more destinations than any other airline in the World, is "Discover."
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We have seen similar tricks like this before, most notably in the Australian outback, and the concept is extremely useful as it serves multiple functions with one design gesture. When the wooden slate decks are down they gracefully extend the living space to the outdoors in three direction, and the generous overhanging roof creates a protective canopy. When they are set to the up position using the hydraulic and cable and block system, they act as robust shutters. When inclement weather takes hold, the glass walls are protected from the brunt of the winds and rain. The shuttered building is also a degree more secure for privacy.
The interior boast a grand floor-to-ceiling view, making the 500 square foot space feel much larger than it is. Lots of windows are vital for good light in the often overcast conditions in Northwest Washington. A small kitchenette and and bath are tucked behind the steel clad section. The center piece is a rounded freestanding fireplace, which seems to be ubiquitous in rural architecture in the state, and can be enjoyed from both inside and out when the doors are opened.
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I have been with Uncle Bob's since 4/2011 and have it deducted out of my account with my daughter having access and have had No problems what so ever ... We have recommended Uncle Bob's and have stored their years prior to this .. Thank you for allowing me to fill out this survey ..A long time customer out of Phoenix , Arizona ..Kelly from Ann Arbor, MI
September 2, 2014
Priscilla is outgoing and friendly. She greets me with a smile every time I walk in. And she has known my name from day oneElizabeth from Gilbert, AZ
August 29, 2014
This was my first time ever using storage but I would highly recommend this location to others and any of the Uncle Bob storages since this particular one gave us such a positive experience.Judy from Phoenix, AZ
August 28, 2014
Happy to take this survey. Doris and Janice were so helpful with our storage unit. Doris helped us with our reservations with the truck rental (thanks Doris)and Janice was helpful with the paper work that come with the rental. We rented from Uncle Bob's before and had such great service, we are back again. Thanks to the staff and management!!Leonora from Mesa, AR
August 27, 2014
I thought all of you there were wonderful. You helped me at a very difficult time after my dad had passed and I was relocating my mom. You were helpful, gracious, and understanding. You made the whole process of getting the unit super easy. You made the turn back process a breeze. Thank youJamie from Chandler, AZ
August 25, 2014
Precilla has been extremely helpful with all my needs and questions.David from Gilbert, AZ
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Priscilla went above and beyond to accommodate my needs. She made a stressful situation easy with her help. My expectations were exceeded. Much thanks to Priscilla.Gale from Dandridge, TN
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I initially met and worked with Paul at my particular location, and he was wonderful! Doug the Manager of this location has also been especially helpful, considerate, and professional. I was so impressed with the facility and our storage unit, that I kept remarking on it to my staff (to the point that they began teasing me and suggesting I move into the unit and live there, if I liked it so much!) I could not be more pleased with the selection of Uncle Bob's and I would HIGHLY recommend thus location to anyone. They have met our needs more then satisfactorily.from Glendale, AZ
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Dave, at the Mesa,AZ office was very kind and helpful........ExcellentLeroy from Mesa, AZ
June 23, 2014


text:
Find out about exhibitions, activities, tours and talks at Birmingham Museums
Aston Hall, Blakesley Hall and Soho House provide a choice of spectacular and elegant locations for your dream wedding.
29th June 2012
This weekend Soho House Museum reopens to the public on Saturday 30th June and Curious Visitors: the Arts Council Collection will be at Aston Hall starting from Sunday 1st July.
Did you know that many of our museums offer free admission on the first weekend of the month (Saturday or Sunday depending on venue)? You can also enjoy a wide range of fascinating events and activities for all the family at all of our sites, including the ever-popular Big Brum History Buz.
This weekend is an especially exciting one at Soho House and Aston Hall, with Soho House reopening to the public on Saturday and the start of the Curious Visitors: the Arts Council Collection exhibition at Aston Hall on Sunday.
Soho House Museum reopens to the public - Saturday 30th June
To celebrate its reopening following a major redevelopment, Birmingham families are invited to 'Making a Mint', a free community open day at Soho House. Visitors of all ages can come and enjoy the elegant Georgian home of Matthew Boulton where there will be many free family friendly activities.
Plus, visitors can explore the new exhibition 'Matthew Boulton: Selling what all the world desires' and discover the fascinating spaces now restored to their former glory following the extensive improvements at the historic venue.
Curious Visitors: the Arts Council Collection at Aston Hall - Sunday 1st July - 23rd September
At Aston Hall visitors will have the opportunity to discover a range of highly unexpected and inspiring works of art by some of the UK's most prominent contemporary artists presented against the beautiful backdrop of the Jacobean mansion.
Presented in collaboration with the Arts Council Collection, Curious Visitors brings together important works of contemporary painting, photography, sculpture, videoand sound installation. Key works by major British artists including Peter Doig, Toby Ziegler and Janice Kerbelhave been carefully selected and located throughout the venue, providing an intriguing juxtaposition between heritage and contemporary perception.
There is free admission to Aston Hall, Blakesley Hall, Soho House and Sarehole Mill this Sunday. Open 12-4pm.
Big Brum History Buz
Also on Sunday the Big Brum History Buz will be running its 'Tolkien and Tudors' open-top guided bus service to Blakesley Hall and Sarehole Mill. You can Meet the Miller at Sarehole Mill and enjoy the ongoing Lavender Festival at Blakesley Hall.
First bus 11.30 from Victoria Square. Tickets: £3 adults, children free. No prebooking available.
Tolkien and Tudors Timetable Sunday 1st July 2012
This is operated by Birmingham Tours.
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text:
looks very real
Someone seems to have pasted his head on someone else's body and photshopped the tattoos on his body. The one on his right shoulder is too high up. You can see it from this pic:
ok and also...for a guy who is like the "first metrosexual"....do you really think he wouldn't do a little manscaping down there for a full frontal nude shot?
his feet remind me of something...give me a minute...it will come to me....
Religion is for people who are afraid of going to hell, while spirituality is for people who have already been there
LOL---shit...this is amazing...folks are more than likely bang on and it's not him, but gay men have some sharp eyes. I didn't even notice that tats until someone pointed them out and his FEET didn't appear huge until I really looked at them...his feet are kind of like Fred Flintstone's.
Religion is for people who are afraid of going to hell, while spirituality is for people who have already been there
It is not real , that is true. But if he was offered the right amount of cash then it could be true because Beckhan and his wife seem to do anything if the money is right
Obviously there arent many (good) photoshop artists on this forum. I can spot that as a fake a mile away.
It has 'FAKE' written all over it.
Die welt soll schweigen und für immer einsam sein.
Ok, so I noticed that the galleries were taken down, so here are the direct links
British tabloids reported this photo as real today lol.....
It IS REAL!! These were outtakes from another photo shoot. And sometimes celebs do pose in "arty" nude shots. There are photographers such as Greg Gorman and Herb Ritts who have photographed some of the most famous actors and celebs nude. Greg Gorman published a book called "As I See It" which featured some very famous celebs in the buff!! As for the tattoos, his arms are in very different positions in each photograph. so you can't go by that. In one his arms are stretched out and in the other they are down by his side, relaxed.. When you stretch out your arm, the skin stretches so that would affect the distance of the tats.
real or not, i don't care.. all i know is that it's H-O-T!!!
Mmmmmmmmmmmmmmm ......
It is a hot picture, no denying that. it isn't real though, unfortunately. Just very well done
I don't believe it's real either. Having said that, part of me thinks that if it isn't, then surely Mr. Beckham would be dragging somebody through a court. So...maybe it is.
Whatever, it's a nice pic and certainly provides a tool to aid fantasy! I Like!
I want it to be real...but I also very much don't want it to be. There is something more sexy and apealing not ever seeing everything, for me anyway. It would be a shame after years of hoping finally being given a pic like this and it being real. Kinda takes something away. saying that if it is real then I'm still finding him as hot as ever!
Look me up, say hi and maybe add/follow me
There's some really stupid people in this topic.
The shadow behind his head doesnt fit.
The baby angle's leg comes to a point.
The tattoo on his right shoulder is too high.
iv done lots of graphic work, and i know a "real" artists would have had an artist's eye to do a better job on that photo. the tats are different, and the main thing about them is that they are too black, and to contrasted with the rest of the arms. there shouldnt be so sharp either, and more rounded with the contour of the arm.
i didnt really focus on the feet too much, because lets just not forget this guy plays soccer for a living. so i can imagine there would be stress to the feet. the head is a little too small.
and i think he would have groomed down there also
i think we should have a contest for the best fake david beckham nude photo......in another thread or something.
Enjoy Wandering through my galleries!
Never mind about measuring the tats and the size of the feet, going by the above quote it is DEFINITELY a fake.British tabloids reported this photo as real today lol.....
A storm in a teacup I know, but the picture looks obviously photoshopped to me for the reasons previously mentioned.
Plus the legs look too chunky and discolored, the image is artistically crude and it makes no career sense for him to be involved in this even as an unused shot that was leaked.
I check out the British papers occasionally online and I couldn't see that any paper was reporting the image as authentic. But I may have missed it.
There was a denial from the Beckham camp, but I didn't see the usual dust and lawyer threats that would suggest it was authentic. If if were, they would want to stop it or at least make sure that they control the copyright. Maybe that's yet to come, but the lack of response suggests it's a fake.
FYI here are a few random Beckham images from the web by way of comparison:
He is very sexy, but not when his mouth is open. Unless it's on my dick!
"Somewhere over the rainbow..."
very hot pics, I think he's really hot.
any real pic?
is the pic posted by JustinKK real???
i saw it censored in a magazine saying that it was a present for victoria's birthday. it would be good if it is real...
hot as can be, would be even hotter if he kept quiet but that wont happen.
"I'm just a pretty little thing that'll make you wanna sing"...Sugababes "Wear My Kiss"
my place http://www.justusboys.com/members/phoenix72
# 4 for me please!
LIVERPOOL FC - You'll Never Walk Alone!
#7 for me!
has to b no 10,but it doesnt matter hes always hot
Hmm id go with the forth one!!
number 4 or 6
4, 6,or 7
id have to say 4 and 7!
I like him with the army cut So 4
"Maybe we're not supposed to be happy. Maybe gratitude has nothing to do with joy. Maybe being grateful means recognizing what you have for what it is. Appreciating small victories. Admiring the struggle it takes to simply be human. Maybe, we're thankful for the familiar things we know. And maybe we're thankful for the things we'll never know. At the end of the day, the fact that we have the courage to still be standing is reason enough to celebrate." -Grey's Anatomy
4 and 6!!!!
4 + 7 absolutely. He's hottest in 4 though!
"Somewhere over the rainbow..."
My faves are in this order #8, #10, and #2
4 or 7 do it for me
Don't forget
And his latest
4 and 7 for sure


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Breakfast "Pizza": Slices for Your Morning Meal
Bored with your usual breakfast? If cereal and milk or plain pancakes just aren't enticing anymore, enliven your morning meal routine with one of our breakfast "pizzas" scrumptious slices you can enjoy on a weekend morning with the family or for a special occasion brunch.
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Recipe: Asparagus-Fontina Pizzettes with Bacon
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1 oz Pocket Snacks
4 oz Snacks
1 lb Snacks
Chips and Crackers
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Handy single serve Pocket Snacks of dry roasted organic pumpkin seed, lightly salted with a bit of Portuguese sea salt. Eden Pocket Snacks go easily to school, work, on errands, camping, and backpacking. Keep some in the pantry for delicious, healthy snacking anytime. Low sodium, cholesterol free, and an excellent source of protein, complex carbs, and fiber with 50% Daily Value of magnesium per serving. Gluten Free and .
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text: 5 Jamie on formLilyloulou | 24/10/2010 | See all Lilyloulou's reviews (191)Top 100 Reviewer Top 10 Books Reviewer This is Jamie on top form. Very easy to follow and some fantastic tips and ideas for quick dinners - liked the tip for quick berry ice-cream. I've made that a few times already. Tastes great and stupidly quick and easy to do! Brilliant practical cookbook.


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Train Station
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Glass tea lantern lights up your home's exterior with the power of the sun. Soaking up the sun's rays during the day, these colorful lanterns cast a romantic, warm glow at dusk. Each features a stunning mixture of colored handblown glass, which when lit by the high-powered LEDs, shines ever so brightly for 4-6 hours. Can be hung with the attached handle or set on a table. Uses a rechargeable button battery, included. Designed for outdoor use. 4"-Diameter x 5"H. Please specify Blue, Silver, Saffron or White on order.
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Friday, June 26, 2009
Summer Really Is Quite Nice
I am so excited about Jennifer's Vintage Sheet fat quarter exchange. (I just got my FQ's off by the skin of my teeth.) Before I did I decided to hit a thrift store which I haven't done in a while. I'm becoming more discriminating with my thrifting. I have too much junk as it is, so I'm only buying stuff I really love AND will actually use soon. I found a couple of good vintage sheets and another sheet that is not vintage (the one on the bottom) but has great potential. My 10-year-old was with my and has dibs on it to make a skirt first.
The gold one is an oval baker and this one is a medium-size serving bowl. I used them tonight for serving fruit salad (yummy, yummy) and the baked potatoes in the baker. They looked so cheerful and summery. Don't you just love summer food? Off the grill or lots of fresh fruits and vegetables. I do. The best food there is.
We also tried to have a backyard camp out tonight, but the weather had other ideas and when the wind kicked-up so strong that it nearly blew the tent away, we had to give up on that idea. Which we did right before the rain started chucking down.
18 comments:
Super love pyrex and vintage sheets, what great finds! Jenny Reeder just sent me your blog and I love it! Your quilts are amazing!ReplyDelete
I love the marshmellow over the glow of the flat top! Did that even work?!ReplyDelete
Fun thrifty items! Ah the old camp out in the backyard gone awry. I know that. We have made many a toasted marshmallow in the same manner.ReplyDelete
The gold pyrex is vintage! I think my mom still has that in her kitchen cabinets from the early 70s. Thanks for sharing.ReplyDelete
Now these little things are what your kiddos will remember forever...simple things like this are just priceless.ReplyDelete
Great finds! I will let you know when the FQ's arrive! I got the roboto kit yesterday, so excited to start it!ReplyDelete
Looks like a fun night anyways. Where do you go thrifting? The sheets are great, I love them all!ReplyDelete
Summer is nice! The weather has been crazy! Glad you made do :) And your thrifty sense is great!ReplyDelete
We used to have campouts in the backyard too, so your post brought back many memories. Your weather has been something else.ReplyDelete
Great thrift store finds.
Great post! I have the green dish too, actually a few of them. They're so darn homey!ReplyDelete
HAppy summer weekend to you, too!
Great post! Glad to see things are looking up:) Love the improvised marshmellow roast.ReplyDelete
I love the serving dish! I have this addiction to serving bowls and casserole dishes. When I see... I buy. All different sizes and colors and shapes, oh my. Especially the old ones... the casserole dish matched one Pyrex bowl that I have actually... :)ReplyDelete
Great finds!! And makin memories!! Looks like your family had a great time!ReplyDelete
never mind the sheets, the pyrex and the food - what about that view from your backyard - are those mountains I spy? Amazing.ReplyDelete
Great finds at the thrift shop!ReplyDelete
Love the picture with the mountains in the background and the one of the roasting marshmellows!
this reminds me of many days when my children were growing up! So fun!ReplyDelete
oh now you've done it...you've ruined our friendship by getting such super duper cute sheets.ReplyDelete
i'm now the jelous not happy for you friend because i don't have such cute sheets.
totally kidding...but seriously...how cute are those sheets?!
I have some old pyrex. It never goes out of vogue. And the sheets! Love me those vintage sheets. I'm making a vintage sheet quilt but haven't blogged about it yet.ReplyDelete
Thank you so much for your comments - they make my day! I try to respond to as many as my 'mommy' time allows, but life sometimes gets in the way. Please know how much I appreciate each of them.
I apologize for the current comment settings that require a registered user account. They are the only way that I don't get tons of gross spam. I'm hoping Blogger will make a way where people who are not registered users, but would like to leave a comment can do so. Please, Blogger! In the mean time, thanks for your patience.
I also love to respond to questions. If you are a no-reply blogger, please leave an email address so I can get back to you. Or you can email me directly: amy @ diaryofaquilter.com. Thanks!


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School Health Centers
Download & Other Tools
- Definition: Number of school health centers or school-linked health centers serving public schools.
- Data Source: California School Health Centers Association. Accessed at http://www.schoolhealthcenters.org (July 2013).
- Footnote: Health centers either are located on school property or are linked to a particular school but are off-campus. Services vary, but can include primary care, mental health care, dental care, and vision services. In some cases, health services are provided by mobile vans that may serve more than one district. N/A means that data are not available.
Learn More About Health Care
- Measures of Health Care on Kidsdata.org
Kidsdata.org includes the following health care measures:
- The percentage of children ages 0-17 who did not receive needed health care or whose care was delayed during the past 12 months, and the percentage without reported problems getting care
- The percentage of children ages 0-17 with and without health insurance, by age and type of insurance, by race/ethnicity, by legislative district, and by legislative district and race/ethnicity
- The percentage of youth ages 12-17 by length of time since their last routine health check-up
- Annual Medi-Cal enrollment for youth ages 0-21 by county as a number or a rate, and, for California only, average monthly enrollment by age as a number or a rate and by race/ethnicity as a number or a rate
- The percentage of children ages 0-17 who have a medical home, by age, income level, and race/ethnicity (for California and U.S. only)
- The number of school-based or -linked health centers serving public schools
- The percentage of children ages 0-17 uninsured at any point in the last year
- The percentage of children ages 0-17 who visited the emergency room in the last year, by type of insurance
For many families, health insurance is provided by an employer. Medi-Cal also is available for eligible low-income children and families from the state, although undocumented immigrants generally are excluded from this program.
The American Academy of Pediatrics describes the medical home as a model of delivering primary care that is "accessible, continuous, comprehensive, family-centered, coordinated, compassionate, and culturally effective." For more information on the medical home model see http://www.medicalhomeinfo.org/
- Health Care
- Delayed or No Medical Care
- Uninsured at Any Point in Last Year
- Length of Time Since Last Routine Health Check-Up
- Health Insurance Coverage (Regions of 65,000 Residents or More), by Type of Insurance and Age
- Health Insurance Coverage (Regions of 20,000 Residents or More), by Type of Insurance and Age
- Health Insurance Coverage (Regions of 10,000 Residents or More), by Type of Insurance and Age
- Medi-Cal Enrollment
- Medical Home Access (California & U.S. Only)
- School Health Centers
- Visited the Emergency Room in Last Year, by Type of Insurance
- Demographics
- Demographics of Children with Special Needs
- Percentage of Insured/Uninsured Children Who Have Special Health Care Needs (California & U.S. Only)
- Percentage of Insured/Uninsured Children Who Have Major Disabilities, by City, School District, and County (Regions of 65,000 Residents or More)
- Access to Services for Children with Special Health Care Needs (State-Level Data)
- Children with Special Health Care Needs Who Needed Five or More Services
- Children with Special Health Care Needs Who Had Preventive Medical Visit in the Last Year
- Difficulty Accessing Community-Based Services for Children with Special Health Care Needs
- Early Intervention for Children with Special Health Care Needs
- Referrals to Specialty Care for Children with Special Health Care Needs
- Unmet Medical Care Needs Among Children with Special Needs
- Unmet Needs for Mental Health Care Among Children with Special Health Care Needs
- Unmet Needs for Preventive Dental Care Among Children with Special Health Care Needs
- Usual Source of Health Care Among Children with Special Health Care Needs
- Youth with Special Health Care Needs Who Received Needed Services for the Transition to Adulthood
- Cancer
- Insurance Coverage for Children with Special Health Care Needs (State-Level Data)
- Quality of Care for Children with Special Health Care Needs (State-Level Data)
- Children with Special Health Care Needs Who Receive Care that Meets Federal Minimum Quality Standards
- Family-Centered Health Care for Children with Special Health Care Needs
- Medical Home for Children with Special Health Care Needs
- Dental Care
- Pupil Support Service Personnel
- Hospitalizations
- Immunizations
- Prenatal Care
- Teen Sexual Health
- Why This Topic Is Important
According to the American Academy of Pediatrics, every child should receive high quality, culturally competent, coordinated, comprehensive, and preventive health care (1). This care is best offered through a "medical home," an ongoing family-centered partnership with a child health professional or team, in which all of the patient's needs are met (1). Children who receive care in the context of a medical home are more like to have annual, preventive check-ups (which can lead to the early identification and treatment of problems) and are less likely to have unmet medical and dental needs (2). According to 2011-12 estimates, 9% of U.S. children lacked a usual source of health care (3). Not surprisingly, children without health insurance are far more likely to have no usual source of care than children with insurance (4). In 2011-12, approximately 8.3 million U.S. children (11% of all kids) were uninsured at some point during the year (3).
One convenient way for children and youth to access needed health services is through school-based health centers. Nearly 2,000 centers currently operate nationwide (5). These health centers, whether located on school property or in the vicinity of a school, offer a range of services to underserved or uninsured students, including primary medical care, behavioral health, dental care, substance abuse counseling, and nutrition education (5). Research has found that school-based health centers can lead to improved health care access, increased school attendance, and reduced inappropriate emergency room visits among youth (6).
For more information on health care, see kidsdata.org's Research & Links section.
Sources for this narrative:
1. Hagan, J. F., et al. (Eds.). (2008). Bright futures: Guidelines for health supervision of infants, children, and adolescents (3rd ed.). Elk Grove Village, IL: American Academy of Pediatrics. Retrieved from: http://brightfutures.aap.org/pdfs/Guidelines_PDF/1-BF-Introduction.pdf
2. Strickland, B. B., et al. (2011). The medical home: Health care access and impact for children and youth in the United States. Pediatrics, 127(4), 604-611. Retrieved from: http://pediatrics.aappublications.org/content/early/2011/03/14/peds.2009-3555
3. Child and Adolescent Health Measurement Initiative. National Survey of Children's Health. Data Resource Center for Child and Adolescent Health. Retrieved from: http://www.childhealthdata.org/learn/NSCH
4. Federal Interagency Forum on Child and Family Statistics. (2013). Health care. America's children: Key national indicators of well-being, 2013. Washington, DC: U.S. Government Printing Office. Retrieved from: http://www.childstats.gov/americaschildren/care.asp
5. U.S. Department of Health and Human Services, Health Resources and Services Administration. (2011). School-based health centers. Retrieved from: http://www.hrsa.gov/ourstories/schoolhealthcenters/
6. National Association on School-Based Health Care. (n.d.). Benefits of school based health care: Fact sheet. Retrieved from: http://www.nasbhc.org/site/c.ckLQKbOVLkK6E/b.7526255/k.9AF9/SBHC_Fact_Sheets.htm
- How Children Are Faring
In 2012, an estimated 92% of California children ages 0-17 had health insurance. Although the percentage of children with health insurance has increased slightly since 2009, gaps remain. According to 2012 estimates, 10% of Latino children in California did not have health insurance, compared to 6% of African American/Black, Asian American, and multiracial children, and 5% of white children.
In 2012, over 4 million children and youth ages 0-21 in California were enrolled in the Medi-Cal program: 353.4 per 1,000. The number and rate of enrollees has increased since 2007. Enrollment rates are highest among infants and lowest among young adults ages 19-21 (601 vs. 175.2 per 1,000 in 2011, respectively). African American children/youth have the highest enrollment rates among all racial/ethnic groups with available data in California (570.2 per 1,000 in 2011).
Among youth ages 12-17, 86% received a routine health check-up within the past 12 months in 2011-12, up from an estimated 77% in 2001. However, according to 2011-2012 data, less than half (45%) of California children ages 0-17 received care within a "medical home," compared to 54% nationwide. In California and nationwide, older, low-income, Latino, and African American children were less likely to have a medical home.School health centers provide access to health care for many children. According to 2013 data, California has 226 school health centers, up from 153 in 2009. However, school health centers are not dispersed equally across the state. In 2013, a majority of counties (31 of 58) did not have any school health centers, and Los Angeles County alone had almost one-third of all health centers in the state.
- Policy Implications
When children have health insurance, they are more likely to receive preventive and acute care, they miss less school, and their families are at less financial risk from unpaid medical bills (1, 2). Providing quality, accessible and affordable health care to children requires comprehensive insurance coverage for all children; an appropriately trained and compensated provider base, including a sufficient number of subspecialists; parental understanding about what care is needed and how to obtain it; and effective systems of care, including a "medical home" (3). Immigrant children, especially those with undocumented parents or those who are themselves undocumented, are at particular risk of being uninsured and without regular health care (4).
The 2010 passage of the federal Affordable Care Act (ACA) will allow an estimated 95% of children in the U.S. access to affordable health care (9). The ACA expands Medicaid, the government health insurance program for low-income people, ensuring coverage of children in families earning up to 133% of the federal poverty level (10). In addition, families with incomes between 133%-400% of the federal poverty level, and without affordable employer-based coverage, will be eligible for subsidies to purchase coverage through the state's Health Benefit Exchange (10). ACA also prohibits discrimination based on pre-existing conditions and makes significant investments in school-based health care and infant care (11).
According to research and subject experts, policy options that could improve children's health care include:
For more policy ideas and research on this topic, see kidsdata.org's Research & Links section or visit the California HealthCare Foundation, the 100% Campaign, and the American Academy of Pediatrics.
- Maintaining continuous insurance coverage for all low-income children, including immigrant children (1, 2)
- Ensuring that every child has access to family-centered, culturally competent and coordinated care within a medical home, particularly children with chronic conditions (3, 5, 7)
- Expanding access to health education and consultation services for parents/guardians and service providers in programs that serve young children, including child care settings, nutrition programs, and foster care homes (5)
- Ensuring that training is provided to pediatricians on medical home implementation and management of care for children with special health care needs; and ensuring that there is an adequate number of trained pediatric specialty care providers (3, 6)
- Adopting, funding, and supporting effective use of efficient application and enrollment processes, such as web-based systems that provide a one-stop approach to enrollment in various public and private health, social service, and other programs (8)
- Ensuring that public insurance reimbursement for pediatric visits covers the time required to focus on child/youth development, family-centered care and – for teens – sexual and reproductive health (2, 5)
Sources for this narrative:
1. Galbraith, A., et al. (2005). Out-of-pocket financial burden for low-income families with children: Socioeconomic disparities and effects of insurance. Health Services Research, 40(6 Pt. 1), 1722-1736. Retrieved from: http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1361224/
2. 100% Campaign. (2010). Why coverage is important. Retrieved from: http://www.100percentcampaign.org/coverage/?_c=y6v0ow3cdxxnin
3. American Academy of Pediatrics. (2012). The medical home: Health care access and impact for children and youth in the United States. Pediatrics 127(4), 604-611. Retrieved from: http://pediatrics.aappublications.org/content/127/4/604.full
4. Center for Poverty Research. (2013). Policy brief: State health insurance policy and insuring immigrant children. Retrieved from: http://poverty.ucdavis.edu/research-paper/policy-brief-state-health-insurance-policy-and-insuring-immigrant-children
5. Zero to Three. (2009). Ensuring good physical health of our infants and toddlers. Retrieved from: http://main.zerotothree.org/site/DocServer/HealthSinglesMar5.pdf?docID=7888
6. National Center for Medical Home Implementation. (2011). Educating medical students and residents on medical home. American Academy of Pediatrics. Retrieved from: http://www.medicalhomeinfo.org/training/residency.aspx
7. Lucile Packard Foundation for Children's Health. (2013). Children with special health care needs: A profile of key issues in California. Retrieved from: http://lpfch-cshcn.org/publications/research-reports/children-with-special-health-care-needs-in-california-a-profile-of-key-issues/
8. Mathematica Policy Research. (2012). Health-e-App public access: A new online path to children's health care coverage in California. Retrieved from: http://www.mathematica-mpr.com/Health/health-e-app.asp
9. Children's Defense Fund. (2011). New investments to help children and families: The Patient Protection and Affordable Care Act and the maternal, infant, and early childhood home visiting program. Retrieved from: http://www.childrensdefense.org/child-research-data-publications/data/new-investments-to-help-children-early-childhood-home-visiting-program.pdf
10. Georgetown University Health Policy Institute: Center for Children and Families. (2010). Summary of Medicaid, CHIP, and low-income provisions in health care reform. Retrived from: http://ccf.georgetown.edu/ccf-resources/summary-of-medicaid-chip-and-low-income-provisions-in-health-care-reform
11. 100% Campaign. (2012). Affordable Care Act: Top 11 benefits for California children and youth. Retrieved from: http://www.100percentcampaign.org/whatsnew/release.php?_c=11l5uswjv7q5w3z&1=1&id=10fdraalsifds47&done=.11l5utg1j5r2wdn
- Research & Links
- Websites with Related Information
- California HealthCare Foundation
- California School-Based Health Alliance
- Family Health Outcomes Project, UCSF
- Health Affairs
- Health Insurance and Access to Care Knowledge Path, Maternal and Child Health Library at Georgetown University
- Mathematica Policy Research: Medicaid and The Children's Health Insurance Program
- National Academy for State Health Policy (NASHP)
- National Center for Medical Home Implementation, Maternal and Child Health Bureau & American Academy of Pediatrics
- Prevention Institute
- Robert Wood Johnson Foundation Commission to Build a Healthier America
- Social Determinants of Health, Centers for Disease Control and Prevention
- The Center for Health and Health Care in Schools, George Washington University
- The Children's Partnership: Children's Health Care/Health Reform
- The Commonwealth Fund
- UCLA Center for Health Policy Research
- Key Reports
- Adolescent Use of School-Based Health Centers and High School Dropout, 2011, Archive of Pediatric Adolescent Medicine, Kerns, et al.
- California's Future, 2014, Public Policy Institute of California
- Child Health Research: Identifying Quality Problems and Improving Care, 2010, Agency for Healthcare Research and Quality
- Covering Kids: Children's Health Insurance in California, 11/2012, California HealthCare Foundation
- Health at School: A Hidden Health Care System Emerges from the Shadows, 2007, Health Affairs, Graham-Lear
- Including Safety-Net Providers in Integrated Delivery Systems: Issues and Options for Policymakers, 8/2012, The Commonwealth Fund & The National Academy for State Health Policy, Witgert & Hess
- Pediatric Medical Homes: Laying the Foundation of a Promising Model of Care, 10/2011, National Center for Children in Poverty, Bachrach et al.
- Racial and Ethnic Disparities in the Health and Health Care of Children, 2010, Pediatrics, Flores, G.
- School-Based Health Centers: National Census School Year 2007-2008, 2009, National Assembly on School-Based Health Care
- Securing a Healthy Future: The Commonwealth Fund State Scorecard on Child Health System Performance, 2011, The Commonwealth Fund, How, S., et al.
- Systems of Care Coordination for Children: Lessons Learned Across State Models, 9/2010, The Commonwealth Fund, Silow-Carroll & Hagelow
- The Language Spoken at Home and Disparities in Medical and Dental Health, Access to Care, and Use of Services in U.S. Children, 6/2/2008, Pediatrics
- The Patient-Centered Medical Home, Electronic Health Records, and Quality of Care, 6/3/2014, Annals of Internal Medicine, Kern, L. M., et al.
- The Role of Health Insurance Coverage in Reducing Racial/Ethnic Disparities in Health Care, 2005, Health Affairs, Lillie-Blanton & Hoffman
- Transforming The U.S. Child Health System, 2007, Health Affairs, Halfon, DuPlessis & Inkelas
- Uninsured Children 2009-2011: Charting the Nation's Progress, 10/2012, Georgetown University Health Policy Institute Center for Children & Families, Alker, Mancini & Heberlein
- County/Regional Reports
- Children's Report Card: Sacramento County Children's Coalition, 2013
- Fresno Community Scorecard, Fresno Business Council and ValleyPBS
- How Policy Changes Impact Enrollment: A Look at Three Counties, 2004, California HealthCare Foundation, The Lewin Group
- Orange County Community Indicators Report, 2014
- San Diego County Report Card on Children & Families, 2013, The Children's Initiative and Johnson Group Consulting, Inc.
- Santa Barbara County Children's Scorecard, 2011, Santa Barbara County KIDS Network
- Santa Clara County Children's Agenda: 2014 Data Book, Planned Parenthood and Kids in Common
- Solano County Children's Report Card, 2014, Children's Network
- Tuolumne County Profile 2012
- Using Web Technology for Public Program Enrollment: Assessing One-e-App in Three California Counties, 2009, California HealthCare Foundation, Ange, E., et al.
- More Data Sources For Health Care
- Aiming Higher: Results from a Scorecard on State Health System Performance, 2014, 4/2014, The Commonwealth Fund
- Child Health USA, U.S. Department of Health and Human Services, Health Resources and Services Administration, Maternal and Child Health Bureau
- Childstats.gov, Forum on Child and Family Statistics
- Community Commons
- County Health Rankings & Roadmaps, Robert Wood Johnson Foundation
- Health Profiles: Child and Teen, 2012, UCLA Center for Health Policy Research
- Health Profiles: Legislative Districts, 2012, UCLA Center for Health Policy Research
- Health Profiles: Race and Ethnicity, 2012, UCLA Center for Health Policy Research
- The Youngest Americans: A Statistical Portrait of Infants and Toddlers in the United States, 2013, Child Trends, Murphey, D., et al.


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Steven Coca DO, MS
Departments & Organizations
Internal Medicine: Nephrology: Program for Applied Translational Research (PATR)
Research Interests
Acute kidney injury; Chronic kidney disease; Biomarkers more...
- M.S., Yale University Graduate School of Arts and Sciences, 2009
Selected Publications
- Coca SG, Ismail-Beigi F, Haq N, Krumholz HM, Parikh CR. Role of Intensive Glucose Control in Development of Renal End Points in Type 2 Diabetes Mellitus: Systematic Review and Meta-analysisIntensive Glucose Control in Type 2 Diabetes. Arch Intern Med 2012;172:761-9.
- Coca SG, Jammalamadaka D, Sint K, Thiessen-Philbrook H, Shlipak MG, Zappitelli M, Devarajan P, Hashim S, Garg AX, Parikh CR. (for the TRIBE-AKI Consortium). Pre-operative albuminuria predicts acute kidney injury in patients undergoing cardiac surgery. J Thorac Cardiovasc Surg 2012;143:495-502.
- Testani JM, Kimmel, SE, Dries D, Coca SG. Prognostic importance of worsening renal function following initiation of angiotensin converting enzyme inhibitor therapy in patients with cardiac dysfunction. Circulation: Heart Failure 2011;4:685-91.