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Old 18.01.2021, 01:49
HickvonFrick HickvonFrick is offline
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Re: Credit card with good online functions

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AMEX in Switzerland is not very good. .

1. very high fees 2.5-3% for foreign transactions.
2. vendor screwed me over, filed claim in SEPT 2020, got
refunded in JAN 2021 so its min 3-4 months to get a refund from AMEX SWISS. They are giving the vendor 45 days to contest your charge back.
Taking forever to refund to your credit card, they did refund the interest
charges but the 4 months of no payments to your credit score can do a huge damage.

3. My experiences is not good for AMEX SWISS. I am and the fees are
outrageous.
I'm not sure this is good advice, tbh I think rather than it being a bad product it's a good product that you've been misusing:

1. Don't use it abroad. Heck just don't ever pay FX fees ever. Use revolut, transferwise or Neon when abroad. It upsets my inner cheapness when I see all the Swiss saving money by cross border shopping then paying totally unnecessary FX fees.

2. There is no credit score in Switzerland. In any case I don't understand why contesting a bill means you have incurred interest charges. I've contested a bill before and just paid my monthly bill as usual.

3. There are no fees for the Amex cashback card (Unless you pay interest or FX fees - both of which are totally unnecessary as per the above).
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