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American Express Credit by BadTemplate

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American Express (NYSE: AXP), sometimes known as "AmEx" or "Amex", is a diversified global financial services company, headquartered in New York City. The company is best known for its credit card, charge card and traveler's cheque businesses. The company's common stock trades on the New York Stock Exchange under the ticker symbol "AXP." It is one of the 30 stocks that comprise the Dow Jones Industrial Average and is ranked as the 74th largest company by Fortune. In 2008, BusinessWeek and Interbrand ranked American Express as the 15th most valuable brand in the world, estimating the brand to be worth US$20.87 billion.

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Prepaid credit cards

A prepaid credit card is not a credit card, as no credit is offered by the card issuer: the card-holder spends money which has been "stored" via a prior deposit by the card-holder or someone else, such as a parent or employer. However, it carries a credit-card brand (Visa, MasterCard, American Express or Discover) and can be used in similar ways just as if it were a regular credit card.

Credit Features

firefox As well as convenient, accessible credit, credit cards offer consumers an easy way to track expenses, which is necessary for both monitoring personal expenditures and the tracking of work-related expenses for taxation and reimbursement purposes. Credit cards are accepted worldwide, and are available with a large variety of credit limits, repayment arrangement, and other perks (such as rewards schemes in which points earned by purchasing goods with the card can be redeemed for further goods and services or credit card cash back). Some countries, such as the United States, the United Kingdom, and France, limit the amount for which a consumer can be held liable due to fraudulent transactions as a result of a consumer's credit card being lost or stolen.


Charge services

In 2007, American Express again raised the annual fee for their American Platinum charge cards, moving the Personal cards fee to $450, and the Business division to $395. With the increase, customers now receive four complimentary companion coach tickets per calendar year. Additionally, a long rumored "relationship" fee of $5,000 to establish a Centurion card was added.

Diversity

American Express was named one of the 100 Best Companies for Working Mothers living in the U.S. in 2006 and 2007 by U.S. based Working Mothers magazine. The Asia-Pacific Headquarters is located in Singapore, at 16 Collyer Quay. The headquarters of the Latin America & Caribbean division is in Miami.

Credit cards

A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user's account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user) to be paid to the merchant.