Update 2/16/21: Another round has gone out at this link. Hat tip to abmo224
Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
Adam K.
Update 6/9/20: Another targeted link now available. Hat tip to TwelveBall
Update 5/19/20: Another link now available. Hat tip to DDG
Update 2/18/2020: Another link now available. Hat tip to corxion
Update 2/11/2020: Another link now available. Hat tip to trumanthepug
Update 1/15/2020: Another link now available. Hat tip to OMGitzSARS
Update 1/3/2020: Another link now available. Hat tip to coljung
Update 11/15/19: Another link now available. hat tip to MtM
Update 10/15/19: Another link available here. Hat tip to reader kcihtred2
Update 9/20/19: Another link available here. Hat tip to reader qmc
Update 9/17/19: Another link available here. Hat tip to JonLuca
Update 8/27/19: Another link available here. Hat tip to jasonalanmorgan
Update 8/13/19: Another link available here. Hat tip positivecontrol
Update 8/2/19: Another link available here. Hat tip to mc1nc4
Update 7/31/19: Another link available here. Hat tip to garettg
Update 7/2/19: Another link available here. Hat tip to Andrew D
Update 6/24/19: Another link available here. Hat tip to Andrew D
Update 6/21/19: Another link available here. Hat tip to BUT_WHY_MALE_M0DELS
Update 6/2/19: Another link here. Hat tip to ClosertothesunNA.
Update 5/27/19: Another link here. Hat tip to CericRushmore
Update 5/21/19: More people targeted, new link here. Hat tip to reader ping
Update 5/9/19: More people targeted, new link here. Hat tip to lobonomnom
Update 5/3/19: More targeted, new link here. Hat tip to alexischase
Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.
Update 4/10/19: Another day, another link to try. Hat tip to garettg
Update 4/4/19: Try this link. Hat tip to Aloha808
Update 3/12/19: Try this link. Hat tip to syr_eng
Update 3/7/19: New round has gone out.
Update 2/19/19: Here’s a new link (login required) which is working for a lot of people. You can also try calling 1-866-281-4438 and mentioning Offer Code: GCOR:0004. Hat tip to Uscreditcardguide.
Update 2/16/19: Another round, this time the link to try is: global.americanexpress.com/lending/extended-payment-options/offer?identifier=MHR. Hat tip to krex42
Update 1/24/19: Another round of offers has gone out.
Update 12/20/18: Another round of offers has gone out, check your e-mails to see if you are targeted.
Update 12/5/18: Another new link. This time courtesy of veeRob.
Update 11/27/18: Looks like another round went out. This time the link is: https://americanexpress.com/ExPOenroll68. Hat tip to zackiv31
Update 11/21/18: MtM is reporting another round of targeted people. I don’t see any new links, but if anybody finds one please share it in the comments.
Update 11/07/2018: Another round of people targeted. New links to try:
Update 10/27/18: Three new links available to try:
Hat tip to The_Fartful_Codger
Snail mailers have also been sent out, so keep an eye out for those as well. Hat tip to nickohrn
The Offer
Links seem to be unique this time, check your regular mail & e-mail to see if you’ve been targeted (share any subject lines of e-mails in the comments below). One subjectline is ‘
- American Express are currently offering selected charge cardholders 10,000 points when they enroll Extended Payment Option
The Fine Print
- Email subject line is ‘You Qualify for a Flexible Payment Option’. People also being targeted via snail mail.
- Another: Congratulations, <name>! You’ve Been Selected to Enroll in a Flexible Payment Option
Our Verdict
Fingers crossed we get a generic link to see if you are targeted or not. This is a fairly common offer, it’s not worth enrolling without this 10,000 bonus (sometimes they offer an interest free period but I’d wait for this offer). You should (hopefully) be paying off your credit card balance in full every month anyway. If you have any questions about Pay Over Time (e.g hard/soft pull) I’d recommend reading through our F.A.Q on the topic found here. You don’t actually need to use the pay over time feature to get the 10,000 bonus points, you must simply enroll in it. The short of it is that it’s definitely worth doing if you’re targeted, just don’t actually use the feature and pay all of your credit card bills in full and on time.
Thanks to reader @MrBillington for providing the picture
