have had amex blue for about 2-3 years. always paid by bills on time but once i had called them for a credit increase and they said as of now your credit line is increased...so i used my credit card only to later find out that i was charged some fee because i had gone over my limit. i called them up, and they were uber-nice to me. almost threw me off guard at how nice they were. reimbered the money and made sure my credit line was where it should be. oh and just a few months ago, they sent gave me another credit increase even though i didn't ask for one. not that i use the max of my credit line anyways, but it was nice to see that they increased it. anyways, all in all, i have had great experience with amex.