I am extremely particular about my credit. During my youth I ran up a bunch of debt and poorly managed my money, ruining my credit score for years. With a lot of hard work, years in the making, my credit score is near perfect. All that is to say, when I apply for credit somewhere, I do it with a purpose. I'm not a big fan of American Express, particularly because of the high rates they charge their merchants for processing (my company being one of them). However, I applied for a small business American...