SCROOGED BY American Express just before XMAS with "There has been a change in your account, please call 866-684-8956, your credit limit has been reduced!" But wait there is good news, "you can pay the balance and presto your credit limit will be restored" One hitch, it will take 72 business hours to use the card that means no XMAS PRESENTS until Dec. 23rd. Let me think, pay off the card or use the cash in the bank to buy XMAS Presents for next 4 days??? read full review »