Damn

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Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge

It is sort of the standard limit AFAIK

And pay over time needs to be activated, you do not have it automatically

Amex Platinum (NPSL) | Amex BCE (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 710 (5/22) EX 714 (1/26)

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shakalaka wrote:

It is sort of the standard limit AFAIK

 

And pay over time needs to be activated, you do not have it automatically

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I wasn't aware of a limit especially a universal one. Just a section I noticed and thought it was interesting. I'm pretty sure mine is/was activated though.

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MrShush wrote:

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shakalaka wrote:

It is sort of the standard limit AFAIK

 

And pay over time needs to be activated, you do not have it automatically

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I wasn't aware of a limit especially a universal one. Just a section I noticed and thought it was interesting. I'm pretty sure mine is/was activated though.

 

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Hey MrShush!

I think that the 35K limit is standard unless approved at activation/invite it states differently.  My limits are 35K on both my charge cards with Amex.  My brother's was activated with 18K.  Not everyone is offered this "perk" and it's based on internal score and ability to pay.  

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Starting Score: 642
Current Score: EQ 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge

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improvingmycredit wrote:

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MrShush wrote:

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shakalaka wrote:

It is sort of the standard limit AFAIK

 

And pay over time needs to be activated, you do not have it automatically

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I wasn't aware of a limit especially a universal one. Just a section I noticed and thought it was interesting. I'm pretty sure mine is/was activated though.

 

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Hey MrShush!

I think that the 35K limit is standard unless approved at activation/invite it states differently.  My limits are 35K on both my charge cards with Amex.  My brother's was activated with 18K.  Not everyone is offered this "perk" and it's based on internal score and ability to pay.  

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Roger! That makes sense. Base upon internal criteria if fluctuates--like everything else with them.

Mine is 35k as well and is only applied to purchases $100.00 or more. Im thinking about using the pay over time feature real soon.

What's the typical interest rate for pay over time with a charge card?

Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 692 | TU 730 | EX 702
Goal Score: 750 (Across All 3)

Take the FICO Fitness Challenge

Very good question. I believe its 18% on mine but may be wrong. I personally dont have a concern about the interest considering it will only be spreaded out 1-3 months at most.

Awhile back there was a MR bonus of 5,000 points if you activated the Pay Over Time feature.  I did so and got the 5,000 bonus points.  But I believe there have been offers of 10,000 bonus points as well.  My APR for pay over time is 15.24%. I have only used this feature once (back when it was called Sign & Travel) to purchase some last minute airline tickets.

FICOs: Walmart TU08 800 5/13/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)

My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $4K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $10.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K