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Looks correct
https://www.americanexpress.com/uk/credit-cards/platinum-card/Also it is now a credit card, changed at the end of last year from charge card
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.