And I’ve used credit in my business. Was charging about $15k a month to American Express mostly for travel and business expenses. Then a customer billing went from $300k a month to $0k because a vendor screwed me. All of a sudden Amex was telling me not to make my house payment or feed my kids so I could pay them. Got them paid and have learned to do business without them.
I dropped Amex decades ago and have never looked back.