And at American Express, 55 percent of local card holders were 30 days or more behind in their payments.

I just got a call from a lady at American Express.

Needless to say, executives at American Express take issue with that analysis.

She and her husband, a human relations executive at American Express, have two sons.

His first job was at American Express where he worked in advertising the company's credit cards.

"Privacy is not the new hot issue at American Express," she said.

He began his career at American Express in 1978, where he worked until 1993.

Do you think I could reason with the people at American Express?

So he switched fields and now works in marketing at American Express.

Officials at American Express say they are aware of the concern about the fees.