AmEx Pay Over Time limit increase

CaptJOB · ‎05-03-2021

Interesting DP for one of my POT limits. I got my Gold card back in November 2018 and was given a 15k PoT limit when I enrolled. I don't remember unenrolling and on top of that I have a 0% APR plan back from a holiday promo on the card so I assumed it had to be on for Plans to work.

Just got a targeted email for 20k MRs for enrolling which I figured was a mistake but I followed the link anyhow thinking worst case they say I'm not eligible. Link totally worked and said nothing about not being qualified. That was a few days ago and I just checked my inbox and I got a confirmation email saying I'm enrolled AND that my PoT limit is now 20k.

FinStar · ‎05-03-2021

Awesome @CaptJOB. Glad to see there are some POT targeted offers floating around. We don't see/discuss AmEx POT auto-increases on here that often.

CreditAggie · ‎05-03-2021

Congratulations on your Amex POT offer!

Current Cards (in order of approval):

Current FICO 8 | 9 (September 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

CaptJOB · ‎05-03-2021

@FinStar wrote:
Awesome @CaptJOB. Glad to see there are some POT targeted offers floating around. We don't see/discuss AmEx POT auto-increases on here that often.

Yeah I know people frequently ask about when or how they might affect that and it's the one thing that seems to be out of people's control. I also haven't pressed the how much can I spend button in a while but I have a feeling I could charge 35k on my Gold card without issues so the stated limit has never been something I really worry about.