lol don't know if anyone else has had this situation arise with American Express or not, but....If you cancel a card while it still has a balance on it... DO NOT DESTROY THE CARD UNTIL IT IS PAID OFFIf you do and you need to reset the password on the account in order to get back into it, you can't without the 3-digit code and even they can't tell you that, but their suggestion is, call in anytime you want to know your balance or any other information... Personally, I think they should put a warning on the card not to destroy until paid off. luckily owe less than three grand on it, so will just pay it off faster than planned... but what if someone owed 100 k? They would have to deal with this nightmare created through the programming for possibly years...Oh yea, reason it is one star is I have a list of reasons I don't care for AM, and this one was just way too ridiculous...