
Or, you can pay any amount more than your minimum balance.
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You can choose to pay off the balance in full each month, which will also keep you from paying interest charges. When it comes to paying your Pay Over Time balance, you have a few options. Your balance carried with Pay Over Time cannot go over your Pay Over Time limit, just like with a credit card where you cannot go over your credit limit.

There is no preset spending limit with Pay Over Time, but there is a limit to how much you can finance, which is determined by American Express. Because charges are automatically added to your Pay Over Time balance, it’s extra important to be aware of when your card statement closes and pay it off before, otherwise you can be charged interest. With Pay Over Time, if it’s activated on your card eligible charges are automatically added to your Pay Over Time account.
