Was with this company for 30 years ...then they cancelled my credit cards due to "payment returned unpaid by financial institution". Turns out that payment on my account was from another person and their bank LOL..Called them several times about these posts to my account. They said "that's weird". It kept occurring until they solved the problem..cancel the account!! "A senior rep from our company will call you in 48 hours to straighten this out". Never happened!! Hello Chase, Goodbye American Express...who needs ya after 30 years!