American Express is so mismanaged! I had all of my identity stolen in August and reported my stolen AMEX cards to them immediately. I had a pending online payment due within 48hours of the theft and was unable to cancel the payment due to the time element. I was assured by the representative on the phone that I could re-submit my payment with my new bank account info and all would be well. I did so and the payment was on time. I have 2 AMEX cards and I neve have a balance of more than a few hundred dollars on each, paying well over the amount... read full review »