Ready? I went to visit my mother and collected her mail. Among the bills and cards was a letter from American Express offering her a Platinum AMEX Card and a bonus of 100,000 MR points after spending $3,000 in the first three months. Sounds pretty good, doesn't it? Except for a few things. My mother is 99 years old! She ran out of all of her money over 6 years ago. She lives in a wonderful Assisted Living center and has neither used a credit card nor a checking account in about 10 years. Seems like a likely candidate to me!