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  • Uhh I think that really is fake.

    Amex Platinum is not a credit card, it's a charge card. Designed to be paid back 100% every month.

    They do offer a Pay Over Time "loan" (yeah splitting hairs on credit v, charge) but the apr is 20->28% depending.

  • Nope. I've seen the same ad with the same APR.

    I suspect the APR is mandatory due to ad regulations but, as it is a charge card with high acceptance criteria, the only one they can display is from deep in the Ts & Cs.

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