What is pay over time American Express (Amex)?

22 Mar 2023 By PAYCEC

American Express Pay Over Time is a feature that allows eligible cardholders to carry a balance on specific charges and pay interest on that balance rather than paying off the balance in full each month.

American Express Pay Over Time's eligibility isn't automatic for all cardholders. American Express determines eligibility based on factors such as creditworthiness and payment history.

Card Holders eligible for Pay Over Time can choose to enroll in the feature and select which charges they want to pay over time. However, carrying a balance and paying interest can lead to increased debt and additional costs. Therefore, cardholders should carefully evaluate their financial situation and potential costs before enrolling in Pay Over Time.

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