If you have access to one, get an Amex and you'll find that's not the case. As someone who used to work in billing for a company with "not great" patterns, the

If you have access to one, get an Amex and you'll find that's not the case. As someone who used to work in billing for a company with "not great" patterns, the bosses hated when people signed up with Amex because it made collections on lapsed payments borderline impossible because of how well they protected their members.