For those with Am Ex cards....

[Homeslice]

So the radio ads for American Express always say "It helps me get back on the right track and stop getting into trouble, because it forces me to pay my bill in full each month...."

Seriously?

Why not just use a regular credit card, and simply not charge more than you can pay off?

This was a clever move by AmEx........Advertise to the type of people who have problems with self-discipline......The type of people who are more likely to get dinged with penalties (which, knowing AmEx, are probably big). Win for AmEx, lose for the consumer.

And how much is AmEx's annual fee anyway, like $100-150? No thanks......I've never paid an annual fee for a card.