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HOW TO GET THE RESULT OU WANT

LATE FEES
Tell the rep you didn't receive your statement. You can pull this off twice a year and interest charges late fees penalty APRs will be removed :)
Death in the family or a sick family member thats hospitalized will do the trick also

ANNUAL FEE GOLD/GREEN
So your years of membership actually mean nothing and get you zero negotiation power. It just on your card to look pretty. However if you ask for a senior members card they will reduce your fees AND BY LAW AMEX KNOWS THE CAN NOT DISCRIMINATE ON AGE. They will reduce your annual fees regardless of your age.


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