topic Re: Amex Gold Pay Over Time vs Credit Card in Credit Cards

Amex Gold Pay Over Time vs Credit Card

McNugget — Sat, 31 Aug 2019 01:56:34 GMT

How is this Pay Over Time thing any different than a regular credit card?

Re: Amex Gold Pay Over Time vs Credit Card

kdm31091 — Sat, 31 Aug 2019 01:58:31 GMT

Not all of your charges will be eligible for Pay Over Time. From what I understand, the charge must be above $100. So anything lower has to be paid in full and cannot be floated.

IMO, it's kind of confusing, and if they're going to make the Gold a revolving product, they need to just go all the way. This charge/revolving hybrid thing is just weird. But, the way it is right now, it's best to just use the Gold card as strictly a charge card.

Re: Amex Gold Pay Over Time vs Credit Card

staticvoidmain — Sat, 31 Aug 2019 04:36:34 GMT

A regular credit card will not earn MR's with Amex Gold's categories. (Because there is no Gold credit card.)

I think it's for people who do not want charge cards but want the Gold and/or Plat rewards structure and benefits.