For many years I used American Express for everything because we accumulated points for everything, and we used the card a lot. The last two years have been very difficult for us and our spending habits changed. We don't charge anything anymore and even though we always paid them on time, because our credit rating dropped, they gave us a limit, which we never had before. I inquired about it and they only said that is not permanent. To me it was such an insult, since we were never late in our payments, that I would never recommend them to anyone, regardless of the great program they had. They treated us so bad that even the points we now have are frozen, just because we are not accumulating them as fast as we once were.