I’ve been a customer of American Express since 1996. I recently had a payment returned due to a mistake and I promptly submitted a second payment which cleared the bank and credited my account, however, American Express decided to block my card from being used so when I went to charge my utilities and a medical bill, it declined. When I called them, I was very polite and Explained my situation and asked if I could just use the credit I had to make a charge and they were not able to do it. I have never been late on a payment for American Express ever. The payment that I made that failed initially wasn’t even to meet a minimum payment. I had already met my minimum payment. This was just an extra payment. I had no idea that they are absolutely the worst credit card company of all of my credit cards. They have very poor practices many merchants don’t even accept them. I don’t know how they’re gonna stay in business if they don’t improve customer service and work with their loyal customers.