People often report here and on DoC that Amex offers them a MR bonus to enroll their charge cards in Pay Over Time. I have never received such an offer, but I would like to.
I used POT years ago. Ever since then, my charge card's statements have shown a specific dollar amount as my POT limit and they have a row for POT in the Interest Charge Calculation table (with $0 charged, since I don't use it anymore). Based on all that, it seems clear I am enrolled in POT. Obviously that would make me ineligible for the enrollment bonus.
So I want to un-enroll. Does anyone know with certainty that is possible? On the Amex website, under Account Services -> Payment & Credit Options, there is a link to Manage POT Setting. That presents two choices: Active or Inactive. Mine has been set to Inactive for a long time.
My sense is many posters and pundits assume that "enroll" means the same thing as "activate," and one can hop in and out of POT at will, collecting enrollment bonuses repeatedly along the way. That sounds great, but I'm not convinced it's true.
I have tried to un-enroll from POT via phone and Chat over the years. They consistently tell me it's already inactive. But there again, the reps seem to be conflating Enrolled with Active, and I suspect those may actually be different things. I think perhaps enrollment is a one-way process; once enrolled in POT, a card is enrolled forever. For enrolled cards, charges can be routed to POT or not, using the Active/Inactive switch.
TL;DR: Does anyone know how to un-enroll a card from POT?
