AMEX Select & Pay Later

[LS2982]

Anyone familiar with this??

I recieved a letter today saying my account is eligible for this on 6/7.

18.24% APR on SPL charges. Can choose charges that were over $100 for SPL.

I'm a little on the fence on this, anyone with experience with this?

[09Lexie]

Is that the same as sign and travel account?

[LS2982]

---

@09Lexie wrote:
Is that the same as sign and travel account?

---

I don't know, i didn't know you could pay over time on a NPSL account.

[thom02099]

---

@LS2982 wrote:

Anyone familiar with this??

I recieved a letter today saying my account is eligible for this on 6/7.

18.24% APR on SPL charges. Can choose charges that were over $100 for SPL.

I'm a little on the fence on this, anyone with experience with this?

---

https://www.americanexpress.com/us/content/pay-over-time/loc.html

I was offered this when I got my Gold card.  Haven't used it though. 

[jsucool76]

Everyone gets the same terms for pay over time with a charge card. Sometimes they offer MR points if you activate it. If they did, go ahead and do it, if not there isnt really a reason to. The apr sucks.

Also, a little while ago there was stories of some people getting this offer, and when they accepted it triggered an FR, but i haven't heard of that in quite some time.

[shakalaka]

There is a link somewhere out there in the web, which gives you 10K points if you sign up.

I have it also, it is nice. They automatically put every charge above $100 into the select and pay later bucket and on your statement you only have to pay the minimum amount when due. Rest will revolve up to a maximum of 35K (standard). If you PIF nothing changes.

So I have 10K points for signing up and a safety net if I really may need it ... money for nothing ...

Oh and my duedate is now 25 days after statement and no longer please pay by after 15 days.

[LS2982]

---

@jsucool76 wrote:
Everyone gets the same terms for pay over time with a charge card. Sometimes they offer MR points if you activate it. If they did, go ahead and do it, if not there isnt really a reason to. The apr sucks.

Also, a little while ago there was stories of some people getting this offer, and when they accepted it triggered an FR, but i haven't heard of that in quite some time.

---

I just enrolled in the Pay over time feature.................now im scurred

[LS2982]

---

@shakalaka wrote:

There is a link somewhere out there in the web, which gives you 10K points if you sign up.

I have it also, it is nice. They automatically put every charge above $100 into the select and pay later bucket and on your statement you only have to pay the minimum amount when due. Rest will revolve up to a maximum of 35K (standard). If you PIF nothing changes.

So I have 10K points for signing up and a safety net if I really may need it ... money for nothing ...

Oh and my duedate is now 25 days after statement and no longer please pay by after 15 days.

---

That could be helpful!

[jsucool76]

That was a year or two ago i saw those stories LS. Should be fine.

[LS2982]

---

@jsucool76 wrote:
That was a year or two ago i saw those stories LS. Should be fine.

---

Yea i'm always worried AMEX will hit me with an FR. I have upped my spending some in the past couple months but always PIF.