No, this isn't about me paying off credit card debt, which is still a major challenge and obstacle for me at the moment. It's about my credit union phasing out their Visa credit cards for American Express. I don't know why they're doing this. I just received an Amex card in the mail for the same limit as my Visa card. I activated it, which I shouldn't have, and they closed out my Visa card. On my credit card report it says account closed at customer request. The heck it was! I started too see very soon that many businesses do not deal with Amex. It's a real pain. Everyone takes Visa, not so with Amex.