Hey Guys,
I currently have 4 Amex accounts and run through over five figures in charges per month. I have a 4 year history with Amex, never been late and have a good credit history.
I recently discovered the "pay over time" feature so I called up Amex to request it. This could come in handy for some of my really large purchases. They tell me I'm not eligible. Huh? I have friends who have this feature, yet, don't even charge a fraction of what I do each month or have the credit that I do.
Thoughts?
Uncle Money
@Anonymous wrote:To clarify are all of them charge cards?
Wouldnt worry too much, those of us that do have the feature dont really see any qualifying purchases flagged for the feature anyways. I just dont use AMEX to carry any kind of balance.
Starting Score: 770
@CreditMuppet wrote:
@Anonymous wrote:To clarify are all of them charge cards?
Wouldnt worry too much, those of us that do have the feature dont really see any qualifying purchases flagged for the feature anyways. I just dont use AMEX to carry any kind of balance.
What do you mean? I have it and I see tons of charges flagged for it. When I get my bill, I have a total balance, and a minimum payment for all of my non-pay-over-time charges. I have never used it to float any charges, but it does work on my account. I have a PR Gold card.
@Walt_K wrote:
@CreditMuppet wrote:
@Anonymous wrote:To clarify are all of them charge cards?
Wouldnt worry too much, those of us that do have the feature dont really see any qualifying purchases flagged for the feature anyways. I just dont use AMEX to carry any kind of balance.
What do you mean? I have it and I see tons of charges flagged for it. When I get my bill, I have a total balance, and a minimum payment for all of my non-pay-over-time charges. I have never used it to float any charges, but it does work on my account. I have a PR Gold card.
It was my understanding that they were supposed to denote a qualfied purchase with a purple triangle or something, unless I am missing something I do not see any purchases which are marked that way but I do see I have at least one purchase this month listed for pay over time in the pay over time summary screen. I do have an AMEX revolver so its not really something I would use on the PRG but it seems I should be seeing more qualified purchases (over $100).
@CreditMuppet wrote:
@Walt_K wrote:
@CreditMuppet wrote:
@Anonymous wrote:To clarify are all of them charge cards?
Wouldnt worry too much, those of us that do have the feature dont really see any qualifying purchases flagged for the feature anyways. I just dont use AMEX to carry any kind of balance.
What do you mean? I have it and I see tons of charges flagged for it. When I get my bill, I have a total balance, and a minimum payment for all of my non-pay-over-time charges. I have never used it to float any charges, but it does work on my account. I have a PR Gold card.
It was my understanding that they were supposed to denote a qualfied purchase with a purple triangle or something, unless I am missing something I do not see any purchases which are marked that way but I do see I have at least one purchase this month listed for pay over time in the pay over time summary screen. I do have an AMEX revolver so its not really something I would use on the PRG but it seems I should be seeing more qualified purchases (over $100).
FYI, the diamond appears on your actual billing statement. I don't see any marking on my online activity summary, it just shows a total of pay in full charges and pay over time charges at the bottom of the screen. When I view my billing statement, there is a diamond next to pay over time charges.
@Walt_K wrote:
@CreditMuppet wrote:
@Walt_K wrote:
@CreditMuppet wrote:
@Anonymous wrote:To clarify are all of them charge cards?
Wouldnt worry too much, those of us that do have the feature dont really see any qualifying purchases flagged for the feature anyways. I just dont use AMEX to carry any kind of balance.
What do you mean? I have it and I see tons of charges flagged for it. When I get my bill, I have a total balance, and a minimum payment for all of my non-pay-over-time charges. I have never used it to float any charges, but it does work on my account. I have a PR Gold card.
It was my understanding that they were supposed to denote a qualfied purchase with a purple triangle or something, unless I am missing something I do not see any purchases which are marked that way but I do see I have at least one purchase this month listed for pay over time in the pay over time summary screen. I do have an AMEX revolver so its not really something I would use on the PRG but it seems I should be seeing more qualified purchases (over $100).
FYI, the diamond appears on your actual billing statement. I don't see any marking on my online activity summary, it just shows a total of pay in full charges and pay over time charges at the bottom of the screen. When I view my billing statement, there is a diamond next to pay over time charges.
Thanks Walt, I was looking in Recent activity / Statement expecting to see this, now I see its on the PDF invoice. I also note there is a "Pay over Time" link on the menu bar which lists qualified purchases.