Don't leave home without the American Express card! You get no costly
     finance charges and no pre-set spending limit. Purchases are approved
     based on a variety of factors, including your account history, credit record,
     and personal resources. There is an online shopping guarantee and you

     can access your account online to pay your bills, view billing details, your
     most recent charges and old billing statements. If a store won't take back
     a purchase, American Express will when you use your Gold Card to make
     the purchase. You also earn membership rewards points whenever you
     use your card and they automatically send you year-end summaries.