Be aware there is no notification by way of e-mail or regular mail letting you know the annual fee is coming up and will be posted to your charge card for the coming year. Just received my American Express bill and saw the annual fee posted. Because of health issues, I went down to cancel my membership. I was told there was no refund or adjustment refund of the annual fee. Reading some reviews I read after cancellation they were still being billed. Beware.
Bottom Line: No, I would not recommend this to a friend
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