Amex vous aide à gérer votre budget

En complément à l'article précédent dans lequel nous disions que les banquiers et les institutions financières proposaient de plus en plus d'outils de gestion budgétaire. C'est au tour d'amex de proposer une offre de PFM (personal Finance management). Dans un contexte dans lequel les intervenants financiers sont attaqués pour leur comportement, c'est un véritable service que ces intervenants proposent à leurs clients ou membres. C'est un  aussi un bon moyen de les fidéliser.
source colloquy:
American Express has launched the Money Manager, a new, free online personal finance service that helps charge Cardmembers manage their finances and rewards accounts in a secure online location. Cardmembers now can link bank accounts, credit cards, investment accounts, mortgage loans, car loans, student loans and rewards points from more than 11,000 institutions all in one place through Money Manager so that they can spot ways to spend and save smarter.
Cardmembers access Money Manager by logging into their card account at AmericanExpress.com and providing username and password information for the financial accounts they want to manage. Once a cardmember has registered, all their account information is linked and automatically updated, so they can access all their accounts without having to log in to multiple individual accounts. Cardmembers also can view charts that automatically categorize their spending, set budgets, receive alerts to stay on track, and get updates on their investments.
Money Manager provides tools including:

Budget Tracker: Set monthly budget goals and receive e-mail alerts on budget limits

Spending Reports: Analyze spending trends over time

Financial Calendar: Displays due date and amount due for each financial account where payments are owed, including bills/utilities, credit cards, insurance, mortgage and loan payments

Rewards Tracker: Monitor balances from frequent-flyer, car rental, hotel and other rewards accounts

Personal Net Worth Calculator: Displays account information in a personalized balance sheet format, categorizing it into assets and liabilities and calculating a total net worth

A recent American Express survey of consumers about personal finances shows that more than half (57%) of respondents age 18-64 are concerned that, in any given month, the amount of money they pay in bills will exceed their monthly income; 21% say they don’t have enough time to monitor their household budget and plan their finances; 22% feel they could use some help finding resources to effectively manage their personal finances.

This online service is available to all U.S. American Express Charge Cardmembers.

Source: American Express

dis papa tu me prêtes ton amex

Pour mettre à disposition une carte de paiement pour ses enfants, on peut lui ouvrir une carte spécifique rechargée automatiquement ou non(type regliss).
Amex prend une autre voie. Donnez à vos enfants une carte "jumelle" de la votre (sur le même principe que la carte conjoint). Mais pour que vous ne vous fassiez pas des frayeurs vous choisissez pour chacune des cartes un plafond spécifique.

source cardtrak:
American Express is targeting teens via new features that turns an AmEx charge card into a family charge card. Parents now have the ability to set spending limits for additional cards on one account. AmEx is also issuing the additional cardholder cards with separate account numbers so that the entire account doesn’t have to be closed when one card is lost. The Company is promoting the new features to encourage families to add their teenagers (15 yrs +) to their account. AmEx says for those over the age of 18, being an additional cardholders on a parent’s account can build a credit history. With the new features cardholders came receive emails or text messages to alert them when a set spending amount is being approached or has been reached on one of their additional cards. The primary cardholders can also modify the spending amount anytime, online or over the phone. Rewards are consolidated from all the cards on the account. The new service is available for the "American Express Card," the "American Express Rewards Green Card," the "American Express Preferred Rewards Green Card," the "American Express Gold Card," the "American Express Rewards Gold Card," the "American Express Preferred Rewards Gold Card," the "American Express Rewards Plus Gold Card," the "Platinum Card," the "Centurion Card." For more information visit: http://www.americanexpress.com/spendinglimits