Anecdotally, I've never had one fail. I've probably done maybe 4 or 5 in 10 years. Though I despise Chase and don't use them, so that may be the key. Amex an

Anecdotally, I've never had one fail. I've probably done maybe 4 or 5 in 10 years. Though I despise Chase and don't use them, so that may be the key. Amex and Discover are top notch in that department.