I have had a card with Amex, on and off for 25 years. I've always had excellent credit, we have equity in our home and pay our bills. Amex lowered my limit, raised the rate, I set up online banking so I was underpaying by something like $2 and getting $39 fees without notice from AMEX online, as I requested. When they called I immediately paid the total due but geez, it's snowballed into a huge debt. read full review »