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Lighthouse72

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How badly does paying less than the minimum due damage one's credit score?
I didn't know that my Amex Gold card wasn't "pay over time" and my balance is substantial. I know that making partial payments will result in penalties and fees with Amex, but how much damage will it cause my credit report?

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Contact Amex

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You should call Amex. Technically the gold card is a charge card (pay in full monthly) but I read in their terms and conditions that they sometimes offer a pay over time feature. 

https://secure.cmax.americanexpress.com/Internet/UDAP/CardMemberAgreementsOnline/US_en/CMADetailsPage/PersonalCards/PremierRewardsGoldCard/PremRwrdGold.pdf

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It would cause a lot of damage. If you don't pay the minimum amount due that is considered a "missed payment". You should do some reading on how missed and late payments damage credit.

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