Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
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 5/21/19: More people targeted, new link here. Hat tip to reader ping
Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.
Update 3/7/19: New round has gone out.
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 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
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
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