American Express claims

Amex credit cards

UK American Express credit cards are regulated credit agreements, so Section 75 can apply in the same way as other credit cards: a single item over £100 and up to £30,000, and a breach of contract or misrepresentation.

Amex charge cards

Charge cards that must be repaid in full each month can be treated differently under consumer credit law. Ask Amex to confirm in writing whether your product is covered, and quote Section 75 in your claim if you believe it applies.

Amex disputes are not Visa/Mastercard chargebacks

Amex runs its own network and its own dispute process, with its own timeframes. Raise a dispute through your Amex online account or app, then follow up in writing.

Escalation

As with any UK lender, if Amex rejects your complaint or doesn't give a final response within 8 weeks, you can go to the Financial Ombudsman Service.