Just received an offer for my Amex Platinum card offering me an Extended Payment Option, and 10k MR points for signing up. The signup form asks for my total annual income. The T&C include this blurb: "The Extended Payment Option is one of the Pay Over Time features we may offer. Not all Card Members are eligible to use Pay Over Time features. Request to pay over time are approved based on several factors including account history, current account status and credit record at time of request." Makes me wonder if they'll pull a credit report if I apply, as it effectively turns the charge card into a credit card. Anyone know?