{"id":444,"date":"2020-12-25T05:00:00","date_gmt":"2020-12-25T12:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=444"},"modified":"2023-04-18T14:51:38","modified_gmt":"2023-04-18T20:51:38","slug":"strange-amex-holiday-gift","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2020\/12\/25\/strange-amex-holiday-gift\/","title":{"rendered":"Unenroll to Earn an AmEx Gift"},"content":{"rendered":"<p><strong>Do this now<\/strong>: <a class=\"ek-link\" href=\"https:\/\/global.americanexpress.com\/lending\/pay-over-time\">Unenroll your American Express charge cards from pay over time<\/a>.<\/p>\n<p>American Express quietly auto-enrolled cardmembers in pay over time during Q4 of 2020 and you could be forgiven for missing it, it wasn\u2019t well publicized. Click the above link and deactivate pay over time for each charge card you\u2019ve got (Green, Gold, Platinum, Centurion, Unobtainium, etc) because:<\/p>\n<ul>\n<li>American Express periodically sends offers of at least 10,000 Membership Rewards points for (re-)enrolling in pay over time. We\u2019ve seen re-enrollment offers just this week. I\u2019m going to classify them as the strangest gift I\u2019ve gotten this holiday season.<\/li>\n<li>Paying interest from carrying credit card balances is bad-news-bears: The rewards aren\u2019t worth the fees you\u2019re paying. Don\u2019t play this game until you\u2019re not paying interest. Unenrolling from pay over time removes that possibility from these cards.<\/li>\n<\/ul>\n<p>Once you\u2019re unenrolled watch for offers for bonus points from American Express and take the bonus when it comes (then unenroll again after the bonus posts).<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" alt=\"\" class=\"wp-image-448\" height=\"248\" loading=\"lazy\" sizes=\"auto, (max-width: 501px) 100vw, 501px\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/12\/bad-news-bears_668_330_80_int_s_c1.jpg\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/12\/bad-news-bears_668_330_80_int_s_c1.jpg 668w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/12\/bad-news-bears_668_330_80_int_s_c1-300x148.jpg 300w\" width=\"501\"\/><figcaption>Billy-Bob Thornton telling you to unenroll your charge cards from pay over time, or else.<\/figcaption><\/figure>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Do this now: Unenroll your American Express charge cards from pay over time. American Express quietly auto-enrolled cardmembers in pay over time during Q4 of<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":1,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[14],"tags":[27],"class_list":["post-444","post","type-post","status-publish","format-standard","hentry","category-housekeeping","tag-american-express"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=444"}],"version-history":[{"count":10,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/444\/revisions"}],"predecessor-version":[{"id":7392,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/444\/revisions\/7392"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}