AMEX may be great at taking care of stuff quickly, but not everyone has an account with AMEX.

I still have a bad credit rating because I had problems with my credit card - and they were caused by the bank itself. It was in the days when I paid my credit card off by cheque. The cheques were cashed, money taken from my ordinary account as directed but it was never paid into my credit card account as it should have been. Thus I got stung for non-payment. Everything was paid off eventually but despite proving that the money vanished after the cheques were cashed and that all the details on the paying in slips were correct. The only way the money could disappear that way, was if a cashier was crediting a third account. The bank never admitted fault and never apologised. The payments vanished from my account, were never recovered and never credited to either account. Consequently, I changed banks and I don't have credit cards anymore.

LTS