No. of Recommendations: 0
Got my terms of agreement with Amex and they are clear as mud. I am honestly not sure what my minimum payments will be. There are two charges: one pay in full and another pay over time. Amex determines what will be paid in full and what constitutes pay over time. Specifically Amex says:

A charge is eligible if it equals or is more than a
certain dollar amount. We will tell you this amount
when you enroll, and it is subject to change. We
will tell you if we change it. Certain charges are not
eligible, such as cash and similar transactions.
We assign a Pay Over Time limit to your Account.
We will not place any charge into a Pay Over Time
balance if it causes the total of your Pay Over Time
balances to go over your Pay Over Time limit. We
may reduce or increase this amount. We may do so
even if you pay on time and your Account is not in
default. We will tell you if we change that amount. You
must pay in full upon receipt of your billing statement
all charges that are not placed into a Pay Over Time
balance. We may change which charges are eligible
to be placed into a Pay Over Time balance.


My minimums have been more or less $1000 - sometimes a bit more, sometimes a bit less. In January my minimum was $4000! Talk about scrambling. Assuming no curve balls, my goals is to pay them $3500/month until the debt is completely paid off , which I hope as you say will be in 4 months.
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