 TITLE: How Do Pay Over Time Plans Work? CONTENT: American Express Pay It Plan It\n-------------------------------\nAmex's Pay It Plan It program provides two ways to pay off purchases.\nThe Pay It feature lets an eligible Amex cardholder reduce their balance by making small payments throughout the month via the Amex app. You can use this option by selecting any posted transaction that shows the Pay It icon. You can use Pay It to make as many as five payments per day.\nMeanwhile, Plan It enables an eligible Amex cardholder to divide purchase amounts of at least $100 into monthly payments for a fixed monthly fee without paying interest. You can designate up to 10 purchases to be included in Plan It. Items not eligible for Plan It include Amex membership fees and purchases with foreign transaction fees.\nYou may not be able to shift a purchase to Plan It if:\n*   Your plan balance would exceed 95% of your account's total new balance on your last billing statement.\n*   Your plan balance would exceed 95% of your credit limit.\n*   You would exceed your Pay Over Time limit.\nFor a consumer card with a credit limit, your Plan It fee is a percentage of each purchase amount based, in part, on the APR that would otherwise apply to the purchase. For Plan It purchases, you'll be charged the plan fee each month instead of interest.\nFor a consumer card with purchases included in a Pay Over Time balance, the monthly fee is a percentage of each purchase amount based, in part, on the APR that would otherwise apply to the purchase and the duration of the payment plan.\nFor purchase amounts on a consumer card that are included in a Pay In Full balance, the monthly fee is a percentage of each purchase amount based, in part, on the APR that applies to the Pay Over Time feature at the time you create the plan and the duration of the payment plan. Terms apply.\nAmex business cards are not eligible for the Pay It Plan It program. END