I had a death in the family and was preoccupied and just forgot to make a payment on about 6 different cards and with my Amex I paid the late fee and didn’t just catch up the payment I paid the entire $7000.00 balance off…that’s a lot of money for me… just to then have them decreased my credit limit by 85% and report my late payment which instantly took me from about a 690 to a 500 thanks Amex you guys suck ass