PLEASE DO NOT USE THIS CREDIT CARD COMPANY; YOU ARE NOT PROTECTED BY SECTION 75 PROTECTION AS THEY SEEMINGLY HAVE NEVER HEARD OF THIS obviously! They will side with the merchant so BEWARE!!!I used my card to pay for a service that I did not receive. Amex procrastinated, they asked for the same information for months and kept asking what more I could submit; the email from the airline confirming that the seats I had paid for had been changed, was not enough! This went on for 5 months and then sent me a letter in the post (received 3 weeks later) which advised that THEY were closing the dispute! Why they can’t send this via the APP is beyond me in a paperless era! They have offered me a few AVIOS points as if this would ever be acceptable; they are less than 10% of what I paid. ONLY USE THESE SCAMMERS IF YOU CAN BE ASSURED THERE AND THEN, THAT WHAT YOU ARE PAYING FOR IS WHAT YOU ARE GETTING - DO NOT USE FOR A SERVICE YOU EXPECT TO GET IN THE FUTURE; you will have NO protection.