American Express USED TO BE A GREAT COMPANY. Lately-- I've had to report them to the FTC and am about to report them to other banking and credit agencies as well. Why? For several months, they have been advertising (with multiple fliers in the mail, at least two times monthly) -- suggesting I accept an offer (due my great credit history and scores) to accept terms to 'carry-over monthly balances over $100). After much disregard, I finally accepted, after agreeing to open a secondary account with AMEX in light of the 'new'... read full review »