| Main Cards: * LOC linked to a visa cc through a local credit union (highly recommend going this route.) * Also a citibusiness cc. (pretty good for a multinational) * 3 other credit union cc's. Also have 2 other business loc's and many other credit cards not worth mentioning. I used to be a very Amex heavy business. Luckily I had my other options available so when I got Amex f/r'ed last year, I was able to cancel all Amex and switch without any major cash flow issues. I was very lucky in this respect, as Amex has jeopardized many businesses with their f/r, cdl, and verification practices. There is alot to say here, but to keep it short: If you rely on Amex for operating your business, go ahead and setup alternatives that can be switched to "just in case". Amex is the greatest when everything is peachy, but if they decide otherwise (and this does not require late payments, breaking your cl, or any other negs) they can and will shut you off until you work with them through it. I decided this type of unreliability was not an acceptable type of relationship I needed for my business financially. Their points & cash back programs are still the best I have encountered, however. Best of Luck! |