AMEX has been a nightmare to deal with. Completely ignore laws that are in place to protect the consumer because they know they are untouchable. Have spent a year trying to get them to fix an error on my husbands credit file that has ruined his credit simply because they were careless. They put a debt that is not his on his credit file and continue to report it as missed payments even though its not even his debt to pay. We are going in circles as they keep referring us to people who just refer us back to them. They have provided me with phoney names and fax numbers and continue to destroy my husbands once stellar credit rating. I now know why most business will not accept AMEX, because they are not LEGIT!