Maria Adams, Credit Cards Moderator
@m_adams
Yes, you can carry balance on the Amex Gold Card, by using the Pay Over Time feature. American Express may approve or decline Pay Over Time requests based on things like your payment history, current account status, and credit standing. There is also a Pay Over Time limit (see Rates & Fees).
Here’s how the Amex Gold Card Pay Over Time feature works:
Pay Over Time balances carried from month to month will accrue interest at a rate assigned by American Express when you’re approved for an Amex Gold Card account.
However, all charges not added to a Pay Over Time balance must be paid in full each month by the payment due date.
Cardholders are automatically enrolled in the Amex Gold Card Pay Over Time feature.
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How long is pay over time balance is?