I'm sorry to hear that! When you unexpectedly lack of cash, the best thing to do is to obtain cheap credit rating. However, there are a lot of dishonesty when it comes to money these days. Apparently, the Consumer Financial Protection Bureau has gone on a bit of a tear with lawsuits against charge card businesses, nailing Discover and Capital One a few months ago.
American Express has joined the ranks, settling a suit with the CFPB and other agencies and agreeing to return $85 million to consumers.