My wife and I are also dealing with American Express. People beware!! Their policies are wrong and mean to do harm. We never paid a bill late and always try to pay more than the min. due. In the last 6 months we have only paid the min. twice and all the other times at least 25 percent more and sometimes even double the min. payment. They have made a negative impact on my credit and I warn anyone who uses them to be ware if you carry any balances. They offer you a high credit line at first and then start dropping the credit line to what your... read full review »