![]() We will not be able to create plans if at the time the plan is requested or at the time the plan is set up on your Account, your Pay Over Time feature is suspended or your Account is canceled. We may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. ![]() Your ability to use Plan It at checkout will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your Account. If you create a plan during an introductory or promotional APR period, your plan fee will be based on the introductory or promotional APR as long as the plan is created before 11:59pm MST on the last day of the introductory or promotional period. After a plan is paid in full, it will be removed from your Account in the next billing period. The plan duration options can vary based on a variety of factors such as the purchase amount, your Account history, and your creditworthiness. If the merchant submits your purchase as multiple separate amounts you will have multiple plans created on your Account.Īt checkout, you will be offered 1–3 plan duration options. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. Your plan will typically be set up on your Account within 48 hours of the purchase but may take up to 5 days. Purchases that are $100 or more may be eligible for Plan It® at checkout on . If you check out using Plan It, your purchase on will be automatically placed into a payment plan, subject to a plan fee. If you make a change to your trip, your plan will not be impacted. Once you see the credit on your account, please call the number on the back of your card to speak with a Plan It Specialist to have the amount applied to the plan balance. If you receive a refund/credit for your trip, the amount can be requested to be applied to your plan balance. If you wish to Pay with Points and also plan the charge, you may be able to create a plan for your trip once the transaction posts to your account, by visiting your online account or American Express® App. You cannot use Pay with Points and Plan It together during checkout on. The plan durations that you see on may be different from the ones that are offered to you when planning the same purchase using your online account or American Express® App. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history, and your creditworthiness. You will be offered 1 - 3 plan options for a qualifying purchase. To view or manage your plan, please log into your online account. ![]() The plans will not exceed the plan amount selected at checkout. If the merchant submits your purchase in separate amounts, you will have multiple plans created on your account. After using Plan It at checkout, your plan will typically be set up on your account within 48 hours of the purchase but may take up to 5 days. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number (441878).When purchased separately, you can place an airfare, pre-paid hotel, or pre-paid car rental booking of $100 or more made on in a plan at checkout by selecting ‘Monthly Installments with Plan It’ as your payment method on . Terms & Conditions apply and are available on application. Zip Money is available to approved applicants only. A monthly account fee of $7.95 applies and a one off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 21.9% per annum as at 1 July 22 and is subject to change. Paying only the minimum monthly repayment amount will not repay a purchase within the interest free period. Turning off instalments and/or under the contract, minimum monthly repayments are required. This feature assists you to avoid interest charges for that transaction. Zip Money Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. This fee is waived each month you pay your statement closing balance, in full, by the due date. For Zip Pay - Minimum monthly repayments are required. ![]()
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