Awoke this morning to find an email from American Express (purportedly) announcing that they haven’t received this month’s payment, and if I’ll just click here I can pay right up.
Well, naturally I figured this was an attempted rip. Pulled out last month’s bill and found a note saying I’d paid electronically on 11/7, with the bank scheduled to deliver the amount by 11/9.
Whoever sent the message had the last four numbers of my credit card number. So I called the customer service number on my AMEX statement and was astonished to discover that it was a REAL message from the REAL American Express. Their CSR asked me to check my bank statement online, to be sure the attempted payment had not been deducted from my account. And no, it hadn’t.
So I sent payment forthwith, and she canceled the late fee. Good thing: AMEX has jacked up its late fee for consumer accounts.
I was surprised they’d send this notice by email, since it looks convincingly like a phishing attempt. Surely there must be enough consumers out here by now who would never even think of responding to such a thing. In most circumstances, I would simply delete the message. The only reason I called AMEX on the phone is that I’m pretty OCD about paying credit-card bills on time.
At any rate, now we know: AMEX does send out phishy-looking notices. If you get one, obviously don’t click on any links or call any phone number given in the message. Get the number from the back of your credit card, or use the customer service number on your statement. Call, inquire, and pay if need be.
Image: DepositPhotos, © ladyann