[theflyingkiwi42]

That's how AMEX shut us our corporate credit card account overnight. We launched a new shopping cart and tested it live in production with our own AMEX card. Mind you that we used that card for over $250k a month (never a late payment) and this was a $99 charge that we simply forgot to refund.

No appeal process, nothing. Caused significant short term cash flow issues. So be very careful using your own card.

[ValentineC]

AMEX used to have major issues with consumers trying to "pay" themselves — the Singapore version put me in financial review for a PayPal transaction that I had accidentally paid to the wrong address, and was subsequently cancelled and refunded — which to AMEX looked like I was trying to "pay" myself.

I don't know if that's still the case, but these days I'm wary about using AMEX on any sort of money transfer service.