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<url><loc>https://hubforcredit.com/amex-pay-over-time-explained/</loc><news:news><news:publication><news:name>Hub for Credit</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-21T12:58:00+00:00</news:publication_date><news:title>American Express Pay Over Time changes how interest hits your statement</news:title></news:news></url>
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