We will also 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, one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. 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. After a plan is paid in full, it will be removed from your Account in the next billing period. 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. 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. 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. Your plan will typically be set up on your Account within 48 hours of the purchase but may take up to 5 days. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. If you check out using Plan It, your purchase with Delta Air Lines will be automatically placed into a payment plan, subject to a plan fee. Plan It can be combined with Miles redemption at checkout only if the remaining balance of your purchase after Miles redemption is $100 or more. Plan It cannot be used at checkout for Delta Vacations® packages and Delta Sky Club® memberships. Plan It is not available at checkout after initial flight purchase for other purchases or upgrades such as post purchase seat upgrades. Monthly Installments with Plan It® by American Expressĭelta flight purchases that are $100 or more may be eligible for Plan It at checkout on.

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