Question About AMEX Plan It

[Queen_Etherea]

Ok so I used my AMEX BCP to buy my wedding dress because I figured I could use the Plan It feature to spread the payments out a little bit. Unfortunately, they're only offering a 3 month plan for like $450/month. While this is doable, it's certainly not ideal and not what I was hoping for. Has anyone ever had the offer change? Like if I waited a little bit, do you think they'd offer a different plan, or is this kind of set in stone? 

I've used this feature before to spread payments out and have been offered multiple plans like 3, 6, and 9 months. I just don't understand why they're only offering 3 months. Does it have anything to do with your credit at the time? 

Thanks for your help.

[Queen_Etherea]

Kind of answered my own question here... So I chatted online with AMEX Customer Service and they said that I could call the "Plan It Team" and have them extend the plan manually. Since I was doing it online, it gives limited options. Figured this was good information to share! 

[staticvoidmain]

I'd never think of asking them. Good to know that I could actually do that.

FWIW, I only get 6, 12 and 18 months. I feel the opposite, as I actually want 3 months in most cases (fewer months = lower fee).

[PDXoriginal]

Not sure why Amex does this, but if you are on a promotional interest rate, they limit your Plan It options to 3 months.

[Anonymous]

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@PDXoriginal wrote:

Not sure why Amex does this, but if you are on a promotional interest rate, they limit your Plan It options to 3 months.

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I have not had that experience. 

My BCP which is still under 0% promo. 

I noticed with my Cash Magnet that I got wildly different offers. Nice to hear that you can talk with them for other options. Let us know the outcome?

[Anonymous]

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@PDXoriginal wrote:

Not sure why Amex does this, but if you are on a promotional interest rate, they limit your Plan It options to 3 months.

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Nope.

[pinkandgrey]

Yeah, the options are apparently based on creditworthiness at the time. Sometimes they'll offer 9 months on a $200 purchase, and other times it will be only a 3-month option for a $1500 purchase. It may or may not change. I suppose you could just wait until around the statement cut date and check again?

Congrats on the dress/wedding!!!

[PDXoriginal]

Again... if you are on a promotional rate, Amex limits you to a 3 month option.

IF you are on a 0% offer, you have term options.

[NRB525]

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@Anonymous wrote:

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@PDXoriginal wrote:

Not sure why Amex does this, but if you are on a promotional interest rate, they limit your Plan It options to 3 months.

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Nope.

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Is this on a new card with a 0% APR promotional rate, or is it a Plan It offer for a No Fee Plan It arrangement, and this card is not on a zero APR promotion in the first ~ year ?

[NRB525]

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@Queen_Etherea wrote:

Ok so I used my AMEX BCP to buy my wedding dress

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Congrats