I have been with Genus for almost 1 year. No cost to me. They were able to reduce most interest rates with the exception of good old AMEX.What they were able to do I could not. This was my last choice. So far so good. I should be out of debt within the next 2 years. The other ccc would not reduce my interest rate even though i told them of my hardship, hey they do not care.AMEX is the ONLY company that did not want to help, in fact, they RAISED the interest rate when they were contacted by Genus. My sign and travel account will just take longer and I swear that I will always bocycott AMEX.Good luck
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