I’m extremely disappointed with how American Express has handled my business charge card. When I first applied, the card was approved without them asking for any supporting documents or financial statements. I provided accurate information, and if they had required anything further at the time, I could’ve easily supplied it. For 7–8 months, I used the card responsibly—spending and repaying on time, managing the account properly, and maintaining a good history. Then, out of nowhere, I received a call from their accounts department requesting business bank statements. I provided everything promptly. A few days later, they informed me that the card would be cancelled because my business financials weren’t strong enough to justify the credit facility. Despite never missing a payment and being a good customer, they abruptly closed my account and demanded full repayment of the outstanding amount within days. This is completely unreasonable. Many businesses rely on credit cards, overdrafts, or credit lines to manage cash flow. If they had concerns about my financials, it should have been raised at the approval stage—not after months of responsible use. It feels like a serious failure in process and communication, and shows no regard for loyal customers trying to run a business. American Express should review its internal assessment practices and ensure transparency from the start, instead of pulling the rug out from under customers with no notice.