I had been a long term American Express customer. I had a recent issue with and discovered they will tell you one thing and then turn around aqnd do what they please. I just did a web search and discovered how slimy they really are. If you have a card do yourself a favor and find another credit card company and cancel your Amex card. If you don't you may very well regret doing business with them. Also if you know somebody else that has a card tell them to do the same. Also when you do get a chance to talk to a representative you may find they barely speak english becuase they outsource their customer service outside the states. Ignore this advice at your own risk.