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You have to know that there are many types of cards. They all have different cancellation processes. Financial institutions give out cards.

Credit cards and service cards are available from American Express.

Utility cards don't have a set maximum credit limit. It requires that the used balance be paid in full on the due date.

It can be beneficial to many users but it can also be difficult to manage finances.

American Express can become a service card, and you may not be able to pay it in full.

It's common to think that we can make payments with the card and pay the minimum. Many times we don't realize how much we are spending because we don't have American Express cards.

A cancellation is the best option. If the American Express card is a problem for us to pay in full at the cutoff, not having it is better.

Remember that a service card is just a way of financing and not extra money.

When we realize that we will not be able to pay the debt, the alarms should go off. An unforeseen event can lead to this situation if you have to cover the entire amount. It is better to cancel if you think that it will be difficult to pay the debt.

It can happen that there is a large debt that will harm your finances if it grows more. It is best to cancel immediately. It is important to identify the high interests that are generated by a debt so as not to end up with more problems.

You may want to cancel American Express because you have many active accounts. That is to say that you have a financial organization problem because you count many cards.

Having a lot of cards can make us crazy.

You can notice the differences in benefits between accounts if they are open. Maybe you know that other cards are better for you. There is no reason to have a card that only charges you an annuity and you do not use it.

The annual fee for a credit card is the most common reason for canceling American Express. The service card with the lowest annuity is deferred for three months. The quota increases when you go up in the category. It is 450USD at the Gold level and 1000USD at the Platinum level.

Many users may consider these amounts large because they are deferred in the first three months. American Express can be canceled for this reason. If you feel like you can't sustain this expense, then you may want to cancel.

If you have already decided to cancel your American Express card, you need to contact an executive who will help you with the process. This procedure can be done by phone or email. Both options are very close.

To cancel by phone, you need to call 800 and follow the instructions on the screen.

The number is active 24 hours a day. You will have to give your data when you reach the desired option.

An executive will help you with the cancellation and you will get a number to verify the process. Your card will be canceled and the process will be valid in 48 hours.

If you want to carry out this procedure by email, you have to include the following information in your email.

The next step is to send the information to the address that was written in the email. An advisor will follow up on the process after this.

You will receive a number at the end which you can use to verify the procedure.

Canceling a card doesn't hurt your credit history if you pay off your balance on time and don't build up debt.

Negotiating a discount is not the same as a voluntary cancellation of a credit card.

If you don't pay in full, you won't be able to cancel your American Express card. Leaving the balance at zero is what this implies.

If you have the funds to do it, you won't have a problem, but what if you don't have the money?

It is not easy to pay a debt when there is not enough money.

There are solutions to be found. You might:

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Okir or okil is the term for rectilinear and curvilinear plant-based designs and folk motifs that can be usually found among the Moro and Lumad people of the Southern Philippines, as well as parts of Sabah. It is particularly associated with the artwork of the Maranao and Sama (Badjao) tribes, although it can also be found to a lesser extent among the Maguindanao, Iranun, Tausug, Yakan, and Lumad groups. The design elements vary among these ethnic groups, with the greatest refinement being found among the Maranao.[1]

The origins of okir are pre-Islamic. They are believed to have originated from the much earlier okil or okil-okil decorative carving traditions of the Sama (Badjao) people, which are often highly individualistic and rectilinear. The Sama are master carvers, and they made lavish decorations on ritual animistic objects, grave markers (both in wood and stone), and their houseboats. These precursor forms of the okir designs can still be found in the art traditions of the Maranao in the basak (lowland) regions of Lake Lanao, and they contrast markedly from the later flowing okir designs.[1]

The rectilinear designs of the Sama were adopted and refined by the Maranao to decorate the torogan houses of the ruling dato class. The most prominent parts of the torogan are the panolong, the carved floor beams modeled after awang boat prows. These protrude in the front of the house and styled with elaborate okir designs, usually that of a naga (a sea serpent or dragon). These were meant to drive away evil spirits. Okir were also featured in the central housebeam, the tinai a walai ("intestine of the house"), which had ritual significance.[1]

Unlike the decorative carving traditions of the Sama, the panolong of the torogan became a symbol of power and status. As such, they increasingly became more and more elaborate, developing the flowing characteristics that it possesses today. It influenced other Maranao artforms greatly due to its association with rank and prestige, becoming used in textiles, musical instruments, betel quid containers, sculptures, weaponry, silver inlays, and so on. These designs became the standard for what came to be known as okir.[1]

From the Maranao, this spread to nearby regions through the migrations of the Iranun people (the descendants of the merchant and outcast clans of Maranao). Elements of okir have been adopted by the neighboring Maguindanao, Lumad, Yakan, and Tausug peoples of the Mindanao and the Sulu Archipelago; even influencing the carving traditions of the Sama later on. However, it had limited penetration among the Visayan-descended heavily-Islamized Tausug, the dominant ethnic group of Sulu. They viewed such carvings as "pagan". Okir among the Tausug is usually limited to the hilts and scabbards of weapons.[1]

The older Sama carving traditions (okil or okil-okil, sometimes spelled ukkil among Malaysian Sama) differ markedly from the okir of the Maranao, although elements of the okir were incorporated into later Sama carvings. Sama okil aren't bound to rules like the okir, and thus tend to be highly variable. Each artist carves according to his own tastes. Despite this, there are still shared motifs that bind them all together as Sama.[1][2]

Sama okil can be divided into two types. The most ancient okil which still survive among the animist Sama, usually the sea-going Sama Dilaut branches, feature representational artforms like human figures. These are absent in the okil versions of the Sama that converted to Islam. Sama okil also feature designs which are realistic copies of natural forms, rather than stylized designs like in okir.[1] Marine themes are particularly common, including depictions of dugongs (duyong), usually with a person riding on its back.[2] The three most common okil motifs used by the Muslim Sama are dauan-dauan (leaf motifs), kaloon (curlicues and curved lines), and agta-agta or buaya (fish or crocodile motifs).[3]

Nevertheless, Sama okil share some common motifs with okir. The Maranao naga (sea serpent) figure is believed to be related to the Sama agta-agta motifs. They are a particularly common motif in the beautifully-carved prows, sterns, and gunwales of various Sama-Bajau boats.[3][4][5][6][7]

Okil are also highly important among Sama grave markers (sunduk) which are found in the ancient traditional burial grounds of the Sama people in some (usually uninhabited) islands of Sulu and Tawi-Tawi. These include some of the oldest examples of okil, which are usually carved from coral and limestone. Wooden carved grave markers are common later on, usually made from or carved from the boat belonging to the deceased. These are usually carved into human figures that represent the deceased. With graves of women identifiable by the presence of combs and mirrors, and graves of men by the depiction of head coverings. Graves of children usually have smaller figures. A common relatively recent tradition is the carving of elaborate stylized bed frames as grave markers. These graves are often decorated with buntings and food offerings, again reflecting the ancient ancestor worship (anito) traditions of the Sama.[2]

Maranao okir motifs are so stylized that it is often easy to tell whether a carving is Maranao or not. Other ethnic groups usually introduce other elements or motifs that are non-traditional to the original Maranao okir designs. In the past, okir designs, particularly for textiles, are distinctive enough that a Maranao can usually distinguish which region someone is from based only on the patterns of their malong and their woven decorative strips (langkit).[1]

Maranao okir can be divided into two traditions, the predominantly curvilinear "male" okir-a-dato, and the predominantly rectilinear "female" okir-a-bai. Unlike Sama okil, okir designs are deliberately stylized when depicting living things, due to Islamic beliefs against idolatry. Traditional creatures featured in okir are the naga (sea serpent) and the sarimanok (feminine papanok, a rooster-like bird with a fish in its beak and another fish in its claws). The naga is common in the panolong designs, while sarimanok are usually placed on top of poles during celebrations. Other creature motifs traditionally depicted in okir include crocodiles, parrots, grasshopper heads, and swallowtails. After contact with other cultures, okir has also depicted non-native animals, including lions, peacocks, and elephants.[2]

The most common individual elements of okir include the following:[1][2]

These elements can be put together to create motifs. Some examples include:[1][2]

Complete designs using these motifs are usually given poetic names like sapak a madanding ("branch of happiness"), raon a kayo ("tree leaves") or tring indawa ("yellow bamboo").[2]

Okir-carving traditions among the Maranao is prominent in the town of Tugaya, Lanao del Sur. It is the traditional center of Maranao artisans and is the industrial capital of Lanao del Sur.[8]

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