Ouch! But sounds about right w/ the lateness…

I think the trigger doesn’t happen until you are at least 30 days late. I’ve accidentally been a day or two late before (which is the reason I now only use cards with the autopay feature) and never had any hits to my credit. They only time I had a hit for late payment was when circumstances got crazy and I missed a payment for a whole month. That one hit my credit score by about 40 points!

Daaaayum Joe – that’s incredible!

Glad you liked my realness ;)

My Amex card doesn’t come with an annual fee, but it also doesn’t come w/ all the fancy perks either like yours and other mentions of it here. No shame in keeping your eyes open for better ones!

Gotta watch out for that public humiliation! haha

Haha yeah – I hear that Sapphire card is good! Always coming up in our research and loved by bloggers :)

Josh – that’s a fun way to trick yourself into saving money to splurge. No big deal, I don’t mind picking up the tab for friends either.
For the last 18 years, my rewards have funded a 529 college saving account, the balance is now over $36K, enough to fund over a year at the average school. It adds up fast.

I, too, have a AMEX, & I’m on the fence of saying GOODBYE. That annual fee is… PAINFUL. Looking for something else.