Amex charge cards: Pay Over Time locked to Active starting Feb 1, 2027

American Express says Pay Over Time will be permanently set to Active on February 1, 2027, and the option to change the setting will be disabled. Doctor of Credit reported the cardholder emails on November 2, 2026.

In this brief: 3 sections 1 min read

- Effective February 1, 2027
- Amex: Pay Over Time will be permanently set to Active
- The setting to turn it off will be disabled
- Amex describes Pay Over Time as built into select American Express Cards and links its Gold and Platinum Cards
- Accounts already set to Active see no change in payment options
- Each month you can pay the full balance, the Minimum Payment Due, or any amount in between
- Any amount not paid in full incurs interest
- Inactive accounts get a Minimum Payment Due option from the first statement after the change

Read full analysis on americanexpress.com

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