Jut don't run up your American Express card. I was late by 2 days on one of my AMEX cards...and they raised the rate to 27% on all 3 of my AMEX cards because I was late on a payment!!!
And it will stay that way for 12 months....unless I am late on another payment, which will extend it further!
Damn credit card companies don't fuck around.
So now on just one of my AMEX cards I'm paying $618 a month in interest.