My Amex card has been used only for auto-billing only and it is all for electricity, Unifi, phone lines,Astro, etc. The main reason is it cannot be saved into my phone. I use wave through phone most of the time, lazy to take out wallet and then card out.

There are so many products nowadays than what I was used to. Hard to difference in benefit difference among them for me

I have only 2 cards which is Visa and Amex. I used Amex whenever I traveled overseas last time. Lost my card once because someone stole my wallet I accidentally left on car seat in just about 5 minutes out of my sight I got the replacement the next day.

Now my Amex charge card has been downgraded from Platinum to just Green one, but before that I applied for Visa Platinum so that I don't have to submit normal required documents but just proof that I was a platinum card holder. That is how I started using Visa. Now I need not to pay big annual fee.