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Credit card companies are notorious for hitting customers with unexpected fees and penalty charges for all sorts of minor missteps. Plus, youвll this web page 2x points on travel purchases with the airline and 1x points for every dollar you spend elsewhere. Is The Platinum Card From American Express Worth It. This type of situation mostly occurs when the person is having too many credit cards. However, it did give me the option to mail in my info and get one back. 9 per cent.