I have been a member of American Express and Optima for more than 20 years.Up till now no problems.I have never been late and was just notified that my interest rate will be goiing up and there is nothing I can do about it, This is so unfair to those of us that have always paid on time and kept our accounts current. I along with everyone else am having a hard time due to the economy. I admit I should not have charged so much on this card, but I am 65 and even went out and got another job to help get this paid off. With the interest rate raised it will take me longer to pay it off.