My husband has been a member with American Express since 1993. In the last two years we have spent $3, 000 a month on the card and before for that more like $800.00 to $1, 000.00. Of course we would pay it off each month. In May 2008 my husband was laid off. We were still making the payments. When August came and he'd still had no luck getting a job so we'd called up American express and spoke with them about how we'd reached hard times right now. They set us up in their CARE Program and the agreement was to pay $410.00 each... read full review »