Not being clever, but being stupid! Since 1986 I have carried an American Express card in my wallet, but I never use it. This week I got a new card from them so instead of activating it, I decided to cancel it. All I could remember is that I get charged $29 once a year and I just pay it and go on. Well, after I cancelled the card, I remembered that my credit card protection coverage is charged to that card every year. That's the freakin' $29!! What a dork! It was easier to get the card re-activated than to use another company to protect my cards....except that now they will have to issue a new card that will have a different number. Sometimes I wonder if I am not having glimpses of Alzheimer's!!!