I logged in to the Amaerican Express website by entering my ID and password. I saw a large credit that I did not know about. I requested a refund however on chat they ask me for a bunch of confidential information. I regret I gave him some security information about me. The chat person refused. He said that they will hold the credit for three billing cycles (three months). I demanded they should pay interest on my credit at the rate of 24.25%. No answer from the chat person. Finally, I decided that I do not want to give any more confidential information to the chat guy. He may be sitting in India where you cannot trust people hired at a cheap rate at the call centers.