I've been an American Express customer since early 2000. I've made zero late payments in 20 years. My credit score is around 680 due to some balances on other cards. I have an American Express Platinum Card and a Blue Card with a $20K limit. I tried to use my Blue Card today and the transaction was declined. I well below my credit limits. American Express told me they were going to reduce my credit limit TODAY if I didn't immediately make a payment for several thousand dollars. If I had not called the number on the back of my card, I would have thought it was a total scam! The regular payment of $250 was not due on the account until the end of the month, and my Platinum card had a small balance on it. This company has totally gone to hell. I've never been so humiliated with a credit card company in all my life. I'm going to zero out these balances and close these accounts. Amex will be OOB soon if everyone that they treat poorly does the same.