I bought an 80 dollar pair of pants with a merchant online that looked legit, i used my bluebird card. After almost 3 weeks of waiting the pants never arrived, I tried to send a message to website where i purchased and they were GONE! I called America Express who were no help at all, they got their processing fee, the merchant got my 80 dollars and I got nothing. Don't trust A erica Express User's recommendation: American Express are crooks and not to be trusted, they wont stand behind you!!!