There’s an easy way in your online login to turn off the Pay Over Time feature on your American Express charge cards. Use one of the following three ways to find the unenrollment page:
- Click this direct link (login required), then navigate to your AmEx charge card
- Navigate to your Amex charge card > Account Services (top bar) > Payment & Credit options (side bar) > Manage Pay Over Time Settings
- Navigate to your AmEx charge card > Statements & Activity (top bar) > Suggested for you: Pay Charges Over Time (left side bar, bottom)
It may have always been possible to unenroll in Pay Over Time online, but I’ve always thought you had to call in or chat. Thanks to our friend Mark at Milestomemories who realized this and reported on it here.
People like unenrolling in Pay Over Time with the hopes of getting targeted again for a Pay Over Time bonus offer. Lately, there have also been some indications that being enrolled in Pay Over Time might actually result in the card be considered internally by AmEx as a credit card, not a charge card. This could affect your 4 credit card limit which AmEx imposes. This is far from a certain thing (and it does seem strange), but there have been some indications in this direction, so it can’t hurt to unenroll in Pay Over Time to be safe.