https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510567#M969476 Mine said 5k before i even had my card in hand, I'm approved for up to 12k, 7 weeks later. Wed, 08 Oct 2014 13:59:15 GMT Anonymous 2014-10-08T13:59:15Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509195#M969106 <P>Does anyone have a rough idea? I'd also want to know how it usually takes for people in general to get upgrade offers for their NPSL cards as well?</P> Wed, 08 Oct 2014 00:39:41 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509195#M969106 chalupaman 2014-10-08T00:39:41Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509209#M969111 <P>It depends, but I will say one year.</P> Wed, 08 Oct 2014 00:42:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509209#M969111 Anonymous 2014-10-08T00:42:30Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509249#M969120 Have they taken off the option to apply online? I know when I had it, you could go online and apply. That's how I got mine on my Gold Card way back in the day. Wed, 08 Oct 2014 00:49:04 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509249#M969120 0REDSOX7 2014-10-08T00:49:04Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509347#M969148 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/742559">@chalupaman</a> wrote:<BR /><P>Does anyone have a rough idea? I'd also want to know how it usually takes for people in general to get upgrade offers for their NPSL cards as well?</P><HR /></BLOCKQUOTE><P>i got the offer like one month after i got the card 35k revolver credit.</P> Wed, 08 Oct 2014 01:15:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509347#M969148 Anonymous 2014-10-08T01:15:42Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509389#M969156 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/757469">@0REDSOX7</a> wrote:<BR />Have they taken off the option to apply online? I know when I had it, you could go online and apply. That's how I got mine on my Gold Card way back in the day.<HR /></BLOCKQUOTE><P>Still there.</P><P>&nbsp;</P><P>They just want to make sure you CAN pay in full for a few billing statements before they offer it, From what i hear it usually comes along with 10k MR bonus.</P> Wed, 08 Oct 2014 01:26:11 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509389#M969156 Anonymous 2014-10-08T01:26:11Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509409#M969162 <P>My POT offer was in my account registration, once my green card was activated. Had to check the box online to accept.</P> Wed, 08 Oct 2014 01:30:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3509409#M969162 Burned2manybridgesB4 2014-10-08T01:30:30Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510269#M969402 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/562609">@Burned2manybridgesB4</a> wrote:<BR /><P>My POT offer was in my account registration, once my green card was activated. Had to check the box online to accept.</P><HR /></BLOCKQUOTE><P>+1</P> Wed, 08 Oct 2014 11:05:05 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510269#M969402 alvon123 2014-10-08T11:05:05Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510481#M969456 Got mine 1 month after I got my PRG Wed, 08 Oct 2014 13:30:25 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510481#M969456 Gornet 2014-10-08T13:30:25Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510523#M969463 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/788050">@Gornet</a> wrote:<BR />Got mine 1 month after I got my PRG<HR /></BLOCKQUOTE><P>Nice. I've my Green for about two months and haven't gotten it yet but they did increase my spending limit by quite a bit after two statements. Before I could only get approved for about a 2.8k purchase (always tried 3k on that spending ability button and would say I wasn't approved, not that I would ever spend that much in the first place) and then I tried it yesterday and could now be approved for 4k. I'm impressed with how quickly it's grown. Haven't tried anything beyond that though.</P> Wed, 08 Oct 2014 13:46:02 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510523#M969463 chalupaman 2014-10-08T13:46:02Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510567#M969476 Mine said 5k before i even had my card in hand, I'm approved for up to 12k, 7 weeks later. Wed, 08 Oct 2014 13:59:15 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510567#M969476 Anonymous 2014-10-08T13:59:15Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510573#M969479 <P>When I activated my Platinum yesterday it offered Pay over Time.</P> Wed, 08 Oct 2014 14:00:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3510573#M969479 Anonymous 2014-10-08T14:00:51Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511007#M969578 <P>Why would you want this? 18.24% and it makes your charge card report as revolving for FICO.</P> Wed, 08 Oct 2014 16:30:28 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511007#M969578 rlx01 2014-10-08T16:30:28Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511019#M969582 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>When I activated my Platinum yesterday it offered Pay over Time.</P><HR /></BLOCKQUOTE><P>+1, me too.&nbsp;</P> Wed, 08 Oct 2014 16:32:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511019#M969582 Anonymous 2014-10-08T16:32:30Z https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511063#M969594 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669135">@rlx01</a> wrote:<BR /><P>Why would you want this? 18.24% and it makes your charge card report as revolving for FICO.</P><HR /></BLOCKQUOTE><P>&nbsp; what's the downside to having it report as a revolver? i have the 50k PRG offer and will app soon.</P><P>&nbsp;</P><P>&nbsp; i guess the positives would be utilization and "emergency shows up and can't pay off the full months spend"</P><P>&nbsp;</P><P>&nbsp; what are&nbsp;the&nbsp;issues accepting the pay over time?</P> Wed, 08 Oct 2014 16:48:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-Long-Does-It-Take-to-Get-An-Offer-for-Amex-Pay-Over-Time-on/m-p/3511063#M969594 elim 2014-10-08T16:48:54Z