
American Express offers a Spanish-language version of its website, americanexpress.com/espanol, which allows users to manage their accounts and cards in Spanish. This is a convenient option for Spanish-speaking customers who prefer to communicate in their native language.
On this website, users can access their accounts and view their transaction history, including credit card statements and payment information. You can also manage your account settings, such as updating your personal information and setting up account notifications.
American Express also offers a range of credit cards and other financial products that can be applied for on the website. These include cash back rewards credit cards, travel credit cards, and business credit cards, among others.
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La Oportunidad
American Express saw a need to transform the organization into a truly customer-centered company, which sparked the opportunity to create a widespread change.
This need was met by introducing the "Filosofía del cliente primero" (Customer First Philosophy) to bring employees together around a shared goal.
A comprehensive implementation plan was developed to ensure the philosophy's continuity and lasting impact.
This plan helped American Express to focus on the customer's needs and preferences, which ultimately led to a more customer-centric approach.
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Servicios y Productos
American Express offers a wide range of services and products to its members.
Their banking services include checking accounts, savings accounts, and certificates of deposit. This means you can manage your finances and earn interest on your savings with American Express.
American Express also offers a variety of credit cards, from basic options with no annual fees to premium cards like the Platinum and the famous Centurion card. These cards offer rewards, benefits, and exclusive perks to their holders.
In addition to credit cards, American Express provides travel services, including booking flights and hotels, and offering travel insurance and traveler's checks. They also offer business services, including commercial banking, lines of credit, and payment solutions.
Here are the main services and products offered by American Express:
- Banking: checking accounts, savings accounts, and certificates of deposit
- Credit cards: basic options, premium cards like Platinum and Centurion
- Travel: booking flights and hotels, travel insurance, traveler's checks
- Business: commercial banking, lines of credit, payment solutions
Cuentas de Cheques
American Express offers a range of banking services, including accounts that fit your needs.
You can choose from checking accounts, savings accounts, and certificates of deposit, all under one roof.
Tarjetas Crédito
American Express ofrece una variedad de tarjetas de crédito que van desde opciones básicas sin cargos anuales hasta las tarjetas VIP como la tarjeta Platinum y la famosa tarjeta negra Centurion.
Las tarjetas de crédito de American Express son reconocidas globalmente y ofrecen diversos beneficios, como reembolsos en efectivo, puntos Membership Rewards, puntos para hoteles y millas de Delta y socios de SkyMiles.
Las tarjetas de crédito de American Express tienen un proceso de cancelación distinto, por lo que es importante conocer los detalles antes de tomar una decisión.
Las tarjetas de crédito de American Express tienen diferentes tipos de beneficios, como la American Express EveryDay Card, que ofrece 2x puntos en supermercados y 2x puntos en gastos a través de American Express Travel.
La American Express EveryDay Card también ofrece un bono de 10,000 puntos Membership Rewards al gastar más de $2,000 en los primeros 6 meses.
La otra opción es la Tarjeta Blue Cash Everyday, que ofrece reembolsos del 3% en supermercados, 3% en gastos en tiendas online y 3% en gasolineras.
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Aquí hay un resumen de las tarjetas de crédito de American Express con zero cuota anual:
- American Express EveryDay Card: 2x puntos en supermercados, 2x puntos en gastos a través de American Express Travel y bono de 10,000 puntos Membership Rewards.
- Tarjeta Blue Cash Everyday: reembolsos del 3% en supermercados, 3% en gastos en tiendas online y 3% en gasolineras.
Tarjetas Cancelables
You can cancel your American Express card, but it's essential to know the type of card you have. There are three main types: debit, credit, and service cards.
American Express offers credit and service cards. Service cards are different, with no established credit limit, meaning there's no defined credit line. You'll need to pay off the entire balance by the due date. This can be beneficial for some, but it may complicate finances for others.
You can cancel your card by contacting an executive, either by phone or email. Both options are relatively quick. To cancel via email, send a message to [email protected], and an advisor will follow up with you.
The cancellation process won't harm your credit history as long as you pay off your balance on time and avoid accumulating debt. However, negotiating settlements or discounts can negatively affect your credit score.
Here are the types of American Express cards that can be canceled:
- Tarjeta de débito
- Tarjeta de crédito
- Tarjeta de servicios
Pago en Web
To pay your American Express bill online, you can follow these simple steps. First, go to the American Express website and log in to your account.
To access your account, navigate to www.americanexpress.com and enter your login credentials. Once you're logged in, click on the "Pago a la cuenta" option and then select "Pago en línea".
Next, choose the amount you want to pay and click continue. You'll then be able to complete the payment process.
Here's a quick summary of the steps:
- Ingresar a www.americanexpress.com e iniciar sesión con tu cuenta
- Dar clic a la opción “Pago a la cuenta” y dirigirte a “Pago en línea”
- Elige el monto que quieras pagar y da clic en continuar
Préstamos y Finanzas
American Express ofrece préstamos personales para sus titulares de tarjetas elegibles, con montos que van desde $3,500 hasta $40,000.
Estos préstamos no tienen tarifas de origen ni penalizaciones por pagos anticipados, lo que los hace una buena opción para varias necesidades, como consolidación de deudas, mejoras en el hogar, o cubrir gastos personales.
Si necesitas cancelar tu tarjeta American Express, debes pagar el saldo en ceros antes de empezar el trámite.
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Préstamos Personales

American Express offers personal loans to eligible cardholders, allowing them to request amounts ranging from $3,500 to $40,000.
These loans can be used for various needs, such as debt consolidation, home improvements, financing major purchases, or covering personal expenses.
You can request a loan with no origination fees or prepayment penalties.
If you need to cancel your American Express card, you'll need to pay off the balance in full first.
To pay off the balance, you can negotiate a settlement, ask a financial institution or family member for a loan, or refinance the debt.
Refinancing your debt can be a good option if you're struggling to pay off your card balance, as it can provide better payment terms and conditions.
For example, Digitt offers refinancing services that can help you pay off your American Express card with a fixed payment loan, eliminating interest rates and fees.
Here are some key details about refinancing your American Express card debt:
By refinancing your debt, you can improve your credit score and avoid further financial stress.
Estás Gastando
If you're struggling to pay your American Express card, it's a sign that you're overspending. This can lead to financial problems, especially if you're not paying the full balance. You might think you can just pay the minimum, but with some American Express cards, that's not an option.
American Express cards can be a service card, which means you need to pay the full balance or cancel the card. If you're not careful, you might end up in debt. It's better to cancel the card altogether if you're having trouble paying the full balance.
There are different types of cards, including debit cards, credit cards, and service cards. American Express offers both credit and service cards. Service cards are different because they don't have a set credit limit, and you need to pay the full balance by the due date.
To cancel your American Express card, you can send an email to the customer service team. They'll guide you through the process and provide a tracking number for your cancellation request.
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Cómo Cancelar Una Tarjeta de Crédito
Cancelar una tarjeta de crédito puede parecer un proceso complicado, pero en realidad es bastante sencillo. Primero, debes comunicarte con un ejecutivo de American Express para iniciar el proceso de cancelación.
Para cancelar tu tarjeta American Express, puedes hacerlo de dos formas: por vía telefónica o por vía de correo electrónico. Ambas opciones son casi inmediatas.
Es importante pagar tu saldo en completo antes de cancelar tu tarjeta, de lo contrario no podrás hacer todo el trámite. Si no tienes fondos para hacerlo, puedes negociar una quita, pedir dinero prestado a una institución financiera o a un familiar, o refinanciar la deuda.
Puedes pagar tu tarjeta American Express en línea a través de tu computadora o desde la aplicación de American Express. También puedes refinanciar la deuda con un préstamo de pagos fijos, sin comisiones y con una tasa justa directamente con Digitt.
Para cancelar tu tarjeta, envía un correo electrónico a [email protected] con la información necesaria y un asesor se comunicará contigo y dará seguimiento al proceso. Al final, recibirás un número de folio con el cual podrás verificar el trámite realizado.
La cancelación de una tarjeta no perjudica tu historial y score crediticio siempre y cuando liquides tu saldo a tiempo y no permitas que se genere una deuda.
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Atención al Cliente
American Express is known for its customer-centric approach, with a tradition of 160 years of innovation in the payment market. The company recognizes that putting the customer first is crucial in a competitive industry.
To achieve this, American Express worked with Vivaldi to develop a "Customer First" methodology. This involved creating a shared philosophy and understanding, developing a playbook for the organization, and conducting interactive learning sessions to deploy the approach throughout the company.
The company's commitment to customer satisfaction is evident in its 24/7 customer service hotline, where you can call 800 504 0400 to cancel your credit card.
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Atención al Cliente en el Banco
American Express, una empresa líder en servicios financieros y de viajes, tiene una tradición de 160 años abriendo nuevos caminos en el mercado de pagos. El cliente es lo más importante para American Express.
La competencia por la fidelidad de los clientes en el sector de las tarjetas es cada vez más feroz, por lo que American Express se dio cuenta de que tenía que reforzar su ventaja competitiva casi insustituible: poner al cliente en primer lugar. Esta mentalidad centrada en el cliente es crucial para cualquier banco que desee ofrecer un servicio de alta calidad.
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Para garantizar que el impacto de la iniciativa fuera duradero, American Express trabajó con Vivaldi para definir e integrar en toda la organización la mentalidad, las competencias, las herramientas y las plantillas de "El cliente primero". El objetivo era crear una filosofía y un entendimiento comunes, desarrollar un libro de jugadas para la organización y llevar a cabo talleres de "aprendizaje en la acción" para desplegarlo en toda la organización.
El proceso comenzó con una evaluación de las necesidades y la definición de lo que significaba centrarse en el cliente. American Express también estableció parámetros de éxito y llevó a cabo un análisis de carencias en comparación con las mejores empresas de su clase. Estos análisis condujeron al desarrollo de una filosofía de "El cliente primero" que el equipo directivo de American Express y el resto de la organización pudieron adoptar.
Para cancelar una tarjeta de crédito American Express, puedes comunicarte al Servicio de Atención a clientes al número 800 504 0400 y seguir las indicaciones para cancelar tu tarjeta. Este número está activo las 24 horas los 365 días del año.
La cancelación de una tarjeta no perjudica tu historial y score crediticio siempre y cuando liquides tu saldo a tiempo y no permitas que se genere una deuda. Negociar quitas o cualquier tipo de descuento sí genera problemas en el Buró de Crédito y no es lo mismo que la cancelación voluntaria.
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Cómo Pagar Mi Tarjeta
Pagar tu tarjeta American Express es un proceso sencillo. Puedes hacerlo en línea a través de tu computadora o desde la aplicación de American Express.
Para pagar tu tarjeta en línea, ingresa a www.americanexpress.com, inicia sesión con tu cuenta y dirígete a "Pago a la cuenta" y luego a "Pago en línea". Elige el monto que quieras pagar y da clic en continuar.
Si no tienes fondos para pagar tu tarjeta por completo, tienes varias opciones. Puedes negociar una quita, pedir dinero prestado a una institución financiera o a un familiar, o refinanciar la deuda.
Aquí hay algunas opciones para refinanciar tu deuda:
- Negociar con una institución financiera o un familiar
- Refinanciar la deuda con un préstamo de pagos fijos sin comisiones y con una tasa justa
Recuerda que es importante pagar tu tarjeta por completo antes de cancelarla. Si no cuentas con el dinero, considera refinanciar tu deuda para evitar dañar tu historial crediticio.
Consejos y Ayuda
If you're having trouble accessing American Express's website in Spanish, don't worry, it's easy to find the Spanish version of americanexpress.com.
Just head to the website and look for the language dropdown menu in the top right corner, where you can select "Español" to switch to the Spanish version.
By switching to the Spanish version, you'll get access to personalized content and services tailored to your needs, making it easier to manage your account and make payments.
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SkyMiles
The Delta SkyMiles program is a great way to earn rewards on your everyday purchases.
The Delta SkyMiles Blue American Express card has a $0 annual fee, making it a great option for those who want to start earning miles without breaking the bank.
If you sign up for the card and spend more than $1,000 in the first 6 months, you'll receive a 10,000-mile bonus.
You can earn double miles on purchases made directly with Delta, such as flights and hotel stays.
You'll also earn double miles on restaurant and food delivery purchases.
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In addition to these perks, you'll earn 1 mile on all other purchases.
One of the best benefits of the card is the 20% statement credit you'll receive on purchases made during flights.
Traveling internationally? Don't worry about foreign transaction fees with this card.
Here's a quick rundown of the card's benefits:
Qué Hacer Antes De Cancelar Mi Tarjeta
Before you cancel your American Express card, you need to pay off the balance in full. This means leaving the saldo in ceros, or zeros, before starting the cancellation process.
You can't cancel your card if you still have a balance, so make sure to clear the debt first. If you can't afford to pay it off, you have a few options.
You can try to negotiate a quita, or settlement, with the bank, but be aware that this can damage your credit history. It's not the recommended option, but it's better than doing nothing.
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Alternatively, you can consider refinancing the debt with a different lender, such as Digitt, which offers refinancing options with fixed payments and no commissions. This can help you pay off the debt without hurting your credit score.
Here are your options if you can't pay off the balance:
- Negociar una quita (although this is not recommended)
- Pedir dinero prestado a una institución financiera o a un familiar
- Refinanciar la deuda con un préstamo de pagos fijos, sin comisiones y con una tasa justa
Remember, refinancing the debt can actually help improve your credit score in the long run, as long as you make the payments on time.
Conclusión
American Express is more than just a credit card company. They offer a range of financial services, including bank accounts and certificates of deposit.
Their credit cards are globally recognized and come with attractive rewards, such as Membership Rewards points, airline miles, and cashback.
One of the benefits of American Express is that they don't charge monthly fees on their bank accounts.
They also offer business payment solutions, which can be a big help for entrepreneurs and small business owners.
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American Express provides a variety of exclusive benefits, including travel services, insurance, and personal loans.
Their personal loans come with no origination fees, which can be a big plus for those who need access to cash.
Overall, American Express is a solid and reliable option for managing both personal and business finances.
Frequently Asked Questions
¿Cuánto debes ganar para tener una American Express?
Para obtener una Tarjeta American Express, debes ganar al menos $15,000 M.N. al mes como ingreso mínimo.
¿Qué banco maneja American Express en Estados Unidos?
Bank of America, N.A. emite y administra este programa de tarjetas de crédito. American Express no está relacionado con Bank of America en Estados Unidos.
¿Cuál es el límite de crédito de la tarjeta American Express?
El límite de crédito de la tarjeta American Express es de $6,000 M.N. o más, dependiendo de su situación financiera
Sources
- https://vivaldigroup.com/es/work/building-a-marketing-organization-that-puts-the-customer-first/
- https://finanzasut.com/bancos/american-express/
- https://www.blogylana.com/american-express-platino-porque-tengo-una-y-iou-usa/
- https://travelandleisure-es.com/destinos/llego-la-mejor-semana-para-comprar-viajes-member-week-travel-edition-de-amex/
- https://www.digitt.com/blog/cancelar-american-express
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