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The Visa Black Card was shown compete while using ultra-exclusive American Express Black Card. The major reason you would would like to reduce debit card interest rates is to generate it easier to eliminate debt. Falling 3-6 months behind upon an American Express account might cause your credit standing to drop. When you set goods or services on your own credit card, you might have certain rights. Hold through to all correspondence deliver to you from American Express. American Express won't publicly discuss its policy for settlement agreements, but "The New York Times" reported during the past year that american express online payment Express and other bank card companies were ready to settle delinquent plastic card accounts for 20 to 70 percent from the balance.