Imgaine you spend $700 a year for this card... you make ONE call and ask for a call back... they promise you 24-48 hours... it now been 3 weeks. Immigrant express off shore service 2.18 per hour. Ever wonder why many places do not take American express? Now you know... this is their brown standard for plat members. Maybe they should sell you points to use for service too! Pakistan express is what it is.