topic Re: AMEX AF Pay Over Time ? in Credit Cards

AMEX AF Pay Over Time ?

Mdowning30 — Fri, 24 Jun 2022 19:55:38 GMT

Im curious to know for example if i got the Amex Platinum would i be able to POT the annual fee or would i have to PIF ?

Re: AMEX AF Pay Over Time ?

NRB525 — Fri, 24 Jun 2022 20:41:08 GMT

No, you cannot put AMEX AF on Pay Over Time nor Plan It.

Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.

Re: AMEX AF Pay Over Time ?

pgates — Fri, 24 Jun 2022 21:15:00 GMT

Just paid my platinum AF today ... nothin but accuracy spoken above.

Re: AMEX AF Pay Over Time ?

learningcredit54 — Fri, 24 Jun 2022 23:34:55 GMT

@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.

I agree @NRB525 - the AF is literally a membership fee to hold the cards that banks offer and if the AF cant be paid in full then one should look elsewhere for a better suitable card.

To answer the question of the OP - no you will not have the option of paying the AF over time.

Re: AMEX AF Pay Over Time ?

bigseegar — Sat, 25 Jun 2022 14:25:48 GMT

@learningcredit54 wrote:
@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.
I agree @NRB525 - the AF is literally a membership fee to hold the cards that banks offer and if the AF cant be paid in full then one should look elsewhere for a better suitable card.
To answer the question of the OP - no you will not have the option of paying the AF over time.

That information is incorrect. AmEx states right in the Terms of POT that any charge card's AF can in fact be paid using POT and every time mine bills that option always shows up in the POT. HOWEVER I can assure you that should the OP get the Platinum card and actually use POT right off the bat to pay the AF (which will be billed the very first statement) then it will spook AmEx which in turn I would guess will greatly effect the cards internal soft limit. But way more important if one can't afford to pay the $695 AF in full as soon as the bill comes then then that person has no business with this card. Plain and simple. As another side note to have and truly benefit and use this card ones salary is especially important financially if we're being honest as $695 shouldn't even be a financial second thought. If it is then it sounds more like a "flex" move just to say "oh I have an AmEx Platinum card" than it is a good financial move.

Re: AMEX AF Pay Over Time ?

learningcredit54 — Sat, 25 Jun 2022 15:58:09 GMT

@bigseegar wrote:
@learningcredit54 wrote:
@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.
I agree @NRB525 - the AF is literally a membership fee to hold the cards that banks offer and if the AF cant be paid in full then one should look elsewhere for a better suitable card.
To answer the question of the OP - no you will not have the option of paying the AF over time.
That information is incorrect. AmEx states right in the Terms of POT that any charge card's AF can in fact be paid using POT and every time mine bills that option always shows up in the POT. HOWEVER I can assure you that should the OP get the Platinum card and actually use POT right off the bat to pay the AF (which will be billed the very first statement) then it will spook AmEx which in turn I would guess will greatly effect the cards internal soft limit. But way more important if one can't afford to pay the $695 AF in full as soon as the bill comes then then that person has no business with this card. Plain and simple. As another side note to have and truly benefit and use this card ones salary is especially important financially if we're being honest as $695 shouldn't even be a financial second thought. If it is then it sounds more like a "flex" move just to say "oh I have an AmEx Platinum card" than it is a good financial move.

and this is why I love the forum. Everyday I learn something new. My POT feature was active when my first statement cut off but wasnt given the option to include the AF (although either way I wouldnt have included it). OP should give it a try in the app and see what happens. if they really nead to POT the AF I hope they are able to do so.

Re: AMEX AF Pay Over Time ?

Thanos316 — Mon, 27 Jun 2022 00:36:50 GMT

I was approved for my Platinum card the week I was flying out for a Euro trip. Didn't realize my statement month closed while I was away and had pay over time activated. My AF was charged and my minimum payment due is like $40. So yes can confirm you can pay over time.

@Mdowning30 wrote:
Im curious to know for example if i got the Amex Platinum would i be able to POT the annual fee or would i have to PIF ?

Re: AMEX AF Pay Over Time ?

7774x — Mon, 27 Jun 2022 01:57:42 GMT

@bigseegar wrote:
@learningcredit54 wrote:
@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.
I agree @NRB525 - the AF is literally a membership fee to hold the cards that banks offer and if the AF cant be paid in full then one should look elsewhere for a better suitable card.
To answer the question of the OP - no you will not have the option of paying the AF over time.
That information is incorrect. AmEx states right in the Terms of POT that any charge card's AF can in fact be paid using POT and every time mine bills that option always shows up in the POT. HOWEVER I can assure you that should the OP get the Platinum card and actually use POT right off the bat to pay the AF (which will be billed the very first statement) then it will spook AmEx which in turn I would guess will greatly effect the cards internal soft limit. But way more important if one can't afford to pay the $695 AF in full as soon as the bill comes then then that person has no business with this card. Plain and simple. As another side note to have and truly benefit and use this card ones salary is especially important financially if we're being honest as $695 shouldn't even be a financial second thought. If it is then it sounds more like a "flex" move just to say "oh I have an AmEx Platinum card" than it is a good financial move.

POT for AF may alert Amex...had similar for small item on amex .. they wanted to see irs returns

Re: AMEX AF Pay Over Time ?

NRB525 — Mon, 27 Jun 2022 03:55:22 GMT

@Thanos316 wrote:
I was approved for my Platinum card the week I was flying out for a Euro trip. Didn't realize my statement month closed while I was away and had pay over time activated. My AF was charged and my minimum payment due is like $40. So yes can confirm you can pay over time.
@Mdowning30 wrote:
Im curious to know for example if i got the Amex Platinum would i be able to POT the annual fee or would i have to PIF ?

I stand corrected.
Using the handy PoT calculator, the $695 AF, at prime + 15.74% ( second best available rate ) for 120 days tacks on another $43 to the AF.

Re: AMEX AF Pay Over Time ?

TheRedHat — Mon, 27 Jun 2022 17:46:07 GMT

@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.

A thousand times this! ^^^

Re: AMEX AF Pay Over Time ?

Remedios — Mon, 27 Jun 2022 17:57:05 GMT

@bigseegar wrote:
@learningcredit54 wrote:
@NRB525 wrote:
No, you cannot put AMEX AF on Pay Over Time nor Plan It.
Bonus answer: The AF that you pay does not count toward the spend necessary to earn the SUB.

If one cannot pay the AF on a card in one cash payment, one should not be considering that card. This applies to all cards with AF regardless of bank.
I agree @NRB525 - the AF is literally a membership fee to hold the cards that banks offer and if the AF cant be paid in full then one should look elsewhere for a better suitable card.
To answer the question of the OP - no you will not have the option of paying the AF over time.
That information is incorrect. AmEx states right in the Terms of POT that any charge card's AF can in fact be paid using POT and every time mine bills that option always shows up in the POT. HOWEVER I can assure you that should the OP get the Platinum card and actually use POT right off the bat to pay the AF (which will be billed the very first statement) then it will spook AmEx which in turn I would guess will greatly effect the cards internal soft limit. But way more important if one can't afford to pay the $695 AF in full as soon as the bill comes then then that person has no business with this card. Plain and simple. As another side note to have and truly benefit and use this card ones salary is especially important financially if we're being honest as $695 shouldn't even be a financial second thought. If it is then it sounds more like a "flex" move just to say "oh I have an AmEx Platinum card" than it is a good financial move.

If we are being honest, $695 should always be a financial thought no matter how wealthy one thinks they are if they want to stay that way.

Also, while I understand what you are trying to say, it seems a bit on judgemental side because opinions are being expressed without OP stating why

For all you know, an emergency could have happened, maybe cash flow is interrupted this month, maybe there are extra bills, or maybe it makes sense for them long term to pay some interest right now.

Maybe there is absolutely no reason, and that's okay, too. None of us are paying OPs bills

Re: AMEX AF Pay Over Time ?

Chief2177 — Wed, 14 Jan 2026 17:30:57 GMT

Unfortunately, the Pay Over Time feature on the annual fee option is not available. So when the bill arrives for that, it needs to be paid in full ($895). If you are concerned about having the funds available to pay it, then perhaps it really wasn't a good idea to get the card in the first place (there are many other Amex cards out there which allow you to pay a balance over time). Don't get me wrong here, but even though the POT feature is available for the Amex Platinum Card, the AF does not count. You either have to pay in full or face late fees (and possible account suspension or closure, in addition to accrued interest, and even a blemishes on your credit report due to having missed payments, even though you are sending them money, it isn't enough to keep the account current). Consider it as a way for Amex to test you on ability to pay off a full balance since that type of account is normally reserved for those who have elite credit (at least 800 credit score) and the income (at least 6 figures combined or sole, plus a low debt threshold) to support. If you applied to this card by mistake, and as long as you don't activate it, you can actually downgrade to a card with a lower AF. If you declare that you make an ex amount of money per year on your app for the card, and have concerns about having the ability to pay the $895 in full, then perhaps you are not being truthful. Be honest. You can still hold an Amex Card in your wallet and enjoy the benefits it comes with, but without the concern of having to pay off the $895 (and not being able to use the account, which defeats the purpose of owning this prestige card).

Re: AMEX AF Pay Over Time ?

MrBee25 — Wed, 14 Jan 2026 18:40:04 GMT

Due to the age of this thread, it will be locked in order to keep discussions current. If you have the same or a similar question/issue, please feel free to start a new thread on the topic. Thank you!