I had an American Express card for 25 YEARS!!! I ran into a bill I couldn't pay off at once last fall, and they offered what they call the Hardship Program. They said I could pay monthly until the bill was paid in full. What they didn't tell me was that put me at higher risk of cancellation, that it created a different -- and lower -- status of account for me. I made a late payment (1o days, after months of payments) and they canceled the card, without notice to me. I didn't even know it was canceled until I called in to make a... read full review »