Let's discuss how little the Gip understands the world outside his door -
1. American Express is typically a zero-interest card unless you really fuck up your spending over time once you have a card with them, and even then, you REALLY have to fuck up to make that happen, and even if you do, once you get your shit in check, you can get back to zero interest. Had one for for 2 decades, haven't paid a dime of interest, I actually get hundreds of dollars of free shit every month from my points, so it's the one card you don't necessarily HAVE to pay off monthly where you won't get finance raped on interest and actually come out ahead.
2. The Gip actually thinks AmEx will give an account to just anyone who applies. I hate to tell him, but shitloads of people get denied because they're too high-risk for misuse, so there's more rejection with them than any other card company. Unless you're 20 and pulling in about $70k+/year, or, are opening a business, you probably can't get one.
3. I hate to tell The Gip, but there are actually responsible people who don't overspend the living fuck to excess every month who know what they're doing. The Gip automatically implies that, well, if you're younger and skate, you must be a complete person and always be in debt. By the same logic, you'd never qualify for a fucking American Express to begin with.
If you're going to hate Arto, at least have an actual reason instead of always being le edgy anti-capitalist walking meme of what the rest of the US thinks of Californians, because holy shit, you've outdone yourself this time. More than anything, I think this is all because Gip has received one too many rejection letters for his card application.