Join Date: Nov 2003
Sportbike: 01 F4i (Well, I HAD one, anyway)
Years Riding: 7
How you found us: I google myself regularly
+1 regarding what chibeember said. If you can afford the annual fee, it can be worth it, ESPECIALLY if you travel alot.
Here's an example: Parents recarpet basement, pay with AMEX. A week later notice that carpet is coming up in places. Call carpet place and guy is out of town. Maybe fishy? Hmm? Don't know? How do you protect yourself? Call AMEX, they says "well no, we have not yet paid them. We can hold payment, however, until your concern is satisfactorily resolved." Mom calls carpet company back, schedules appointment for them to come remedy the problem, and has no worries that they might just disappear into the night with her $.
Example #2: Me. Arrive in Europe with Dad in '98. Flight, hotel, and rail pass paid with AMEX. Luggage lost, airline declines to py for anything until 48 hours have passed. Call AMEX, am immidiately wired (for no charge) $400 for clothing and personal items to get me through the waiting period. One day later, luggage is found, call AMEX, they say "enjoy your clothes, and have a safe trip back."