Here's the short story... Had an Amex Card that I maxed out (my mistake) and was charged big rates (25%), tried to negotiate rates but was told I needed to enroll into one of there payment plans first. Have been on for 18 months making payments and graduated from their payment plan, as I now go back to readdress old interest rate levels, now the the story is we don't negotiate. So, the story from 18 months ago has done a 360 degree turn with no help from Amex. Loan shark with a plastic card... The sad part is their story about trying to help people get out from under. They are in fact they are just giving enough breathing room to keep you making those payments.
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