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How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

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chalupaman
Super Contributor

How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

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?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

It depends, but I will say one year.

Message 2 of 14
0REDSOX7
Valued Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

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.
BK Discharge 2/11/14

Currently in the garden.
Message 3 of 14
carlosjgg
Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?


@chalupaman wrote:

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?


i got the offer like one month after i got the card 35k revolver credit.

Chase sp 5k c---------------------------Care credit 4500 cl
Chase mileageplus explorer 5k ---Citi diamond p 2k
Chase mileageplus club 15k ------ Discover it 1.5k
Amex ed 5k -----------------------------Lowe's 10k-----Dinersclub mc 5k
Amex gold npsl plus a 35k cl--------BestBuy 2.1k--Kay's 5k
Sam's mc 4.5k --------------------------Jared 6k
Message 4 of 14
Anonymous
Not applicable

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?


@0REDSOX7 wrote:
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.

Still there.

 

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.

Message 5 of 14
Burned2manybridgesB4
Valued Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

My POT offer was in my account registration, once my green card was activated. Had to check the box online to accept.

Message 6 of 14
alvon123
Super Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?


@Burned2manybridgesB4 wrote:

My POT offer was in my account registration, once my green card was activated. Had to check the box online to accept.


+1


Message 7 of 14
Gornet
Frequent Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

Got mine 1 month after I got my PRG
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 8 of 14
chalupaman
Super Contributor

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?


@Gornet wrote:
Got mine 1 month after I got my PRG

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.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 14
Anonymous
Not applicable

Re: How Long Does It Take to Get An Offer for Amex Pay Over Time on a NPSL card?

Mine said 5k before i even had my card in hand, I'm approved for up to 12k, 7 weeks later.
Message 10 of 14
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