AMEX - Card Suspension
We are currently having issues with AMEX suspending cards. They have advised it was flagged because it is a third party (GTN) paying off the card rather than the card owner.
If your card is suspended, please raise a ticket and we will prepare a letter for you and transaction statements to send to AMEX.
The key thing to say to them if you do speak to them is that you use your card for expenses and then submit these for reimbursement and that while you are not a Director, you have a close affiliation and just thought you were being efficient in ensuring the card was paid off as quick as possible.
You will need to send through your own bank account statements, as well as the GTN ones (Oct & Nov attached below) and also a letter that Kate has written and we will personalise for you (example attached below)
We found this on the Amex website which essentially tells you how someone else can pay your bill - https://www.americanexpress.
Kate also went through the Card Terms & Conditions (both Personal & Business) and it says nothing that the card needs to be paid by you/can't be paid by someone else... this is the only mention of a 'third party' in relation to payments - ie if I give you a receipt that it was paid today but it clears tomorrow, they don't care that it was paid today - they allocate it only when funds clear (re interest/late payments etc) ... fair:
Personal Card (Page 7 attached doc)
Personal Card (Page 8 attached doc)
Kate has spoken at length with AMEX and is trying to find a work around (potentially the a Third Party Authorisation Form). But in the meantime we will be reimbursing you into your Business Bank account, and you will then need to pay off your Amex.
Please note this cannot be a personal account so if you do not have a Business Account please set one up - They are free and you can apply online.
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From Kate:
Obviously it's a big perk (earning points on your client's travel) that none of the other agency platforms offer, and I want to be able to keep this going for you guys, but we also have a responsibility to our customers and our accreditations to make sure I am protecting client funds so I just need to ruminate on the best way forward.
They have also said they have an issue with us charging our cards through Travelpay/Mint for client refunds... again, pain in the ass so I'm just doing some thinking and will come back to you all once I have a solution.
K x
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