<prompt> Human: Hello PF. I would just like to share my experience with American Express and hopefully save you some of the he headaches Ive endured. About 6 months ago, I signed up for the American Express Blue Cash Everyday rewards card because I didnt want to be restricted to what I could and couldnt do with points. Basically, they restrict how you can use your cash back so that you cant really use it. Theyve also shorted me at least 20 in cash back, but it doesnt matter because I cant really use it anyway. Essentially, the only way you can use your cash back is in the form of a statement credit, and you have to use it in increments of 25. Have 60 cash back? Too bad, you can only use 50. Have 24? Sucks to suck man. They also gave me a limit thats equal to more than 23 of my income, which is just unethical because if I was fiscally illiterate I could easily dig a HUGE hole for myself. My interest rate is also like 24, compared to 17 on my other card. For what its worth, Discover has by far been a dream to deal with and their cash back system is amazing. Assistant: I signed up for the American Express Blue Cash Everyday rewards card because I didnt want to be restricted to what I could and couldnt do with points.So, you didnt read the terms before you applied?They say this right on the site where you apply:You will earn cash back only on eligible purchases and in the form of Blue Cash Reward Dollars reward dollars. You can redeem reward dollars for statement credits in increments of 25 whenever your available reward dollars balance is 25 or more. You cannot use cash back to pay your Minimum Due. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. From time to time we may at our option offer you other ways to redeem reward dollars, such as for gift cards or merchandise. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. You will earn a reward of 3 on the first 6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. superstores and warehouse clubs are not considered supermarkets; 2 on eligible purchases of gasoline at gas stations located in the U.S. superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations; 2 on eligible purchases at select department stores located in the U.S. the current list of select major department stores at which you can receive a 2 reward is available at americanexpress.comrewards-info; and 1 on all other eligible purchases. Additional terms apply. You also shouldnt be paying interest.Human: I knew about the 25 increment thing before I signed up but that doesnt mean I like it or that its not extremely annoying. Additionally Ive made at least 2,000 in eligible purchases that I just havent gotten cash back on. Assistant: Additionally Ive made at least 2,000 in eligible purchases that I just havent gotten cash back on.If you say so. But if you have a moment, explain why youre right and their computer is wrong. Its not like they are singling you out here, so what sort of purchases are you citing, and how do you know they didnt credit you?Human: Because I made a really nice excel sheet with everything Ive bought on the card. Excluding my two most recent statements because they take like 12 years to process anything but thats not exclusive to them, Ive made 4,000 in eligible purchases. 4,000 x 1 is 40, plus some of those purchases were on things like gas and groceries, which are supposed to count for more cash back. Still, I only have accumulated about 20 in cash back.  <response>: Did you call them to ask what was up? Im going to guess the misunderstanding is on your end because most of your post is whiney nonsense.If you dont like the card, stop using it. 