I can’t say enough good things about American Express. Seriously. They rock. I have ~$3800 in credit card debt that I’ve amassed over the past 5 years, including school classes, emergency vehicle fixes, bailbondsman costs, partying, rockstaring, everything under the sun. I have APRs that range from now 9.9% all the way up to 21%. Yes, 21%. I decided tonight that I am going to fixify this, because I’m paying out like $130 a month in interest, and maybe $20 is actually going to principle. So I call up Discover and Citibank and tell them hey, I’ve got balances, I need them to be smaller. I need a lower APR, or I’m going to transfer them away so that somebody else can take (less of) my money. They all give me this song and dance, and give me crappy APRs. I reaffirm that American Express is going to take all my worries away if they don’t help me. Discover drops down to a 14.9% (acceptable), and Citibank/student credit card drops down to 15.74% … it’s still a student credit card, though, so I’m not concerned. Little do Discover & Citibank know what they’re in for. So then I call up AmEx, and I’m like whatup, I need to shuffle some bling onto my shiney new AmEx Clear card, which has a 4% life-time APR on balance transfers. Transfer over that shiz. Ba-BAM! It takes all of about 2 minutes to get it done. Now, if I continue to pay the same $130/mo, my $20 to principle has become ($130-($3900*.04/12))=$117. A sixfold increase, simply because of interest. Not to mention the ease of consolidation. Also, when I spoke to Discover and Citibank, they suck. Their reps are terrible. AmEx reps speak english clearly and actually sound -Happy- on the phone. The Citibank guy, particularly, sounded like he wanted to inflict severe injury to me, even though I went out of my way to sound chipper and be nice (so I could get on the good side = lower APR?). American Express just treats me great – with their plans, friendly representatives and good rewards, I can’t hype them up enough. American Express Clear for the win.