Don't intend to impune the OP, but I have found in 100% of the cases that AMEX, along with every other credit card, has resolved disputes in my favor when they should have. I have disputed clearly fradulent charges from merchants I've never done business with, from merchants with whom I do regular business but not for the questioned charge, and one time with Hilton for a truly crappy stay and not getting resolution prior to checkout. I don't dispute much...just those things that are either not authorized or when I have a legitimate beef (not just a bone to pick) with a merchant.