I am currently maxed out with Amex Credit cards at 5, so I am not looking to apply for any new credit cards/lending products in the future, unless Amex starts allowing most people to have 6.

I recently got 2 targeted emails for my two AMEX GOLD CHARGE CARDS to activate the PAY OVER TIME feature for 20,000 MR points per card.

I know I won't actually use the feature and carry a balance.
After using all of the credits on each card, my own personal effective annual fee calculation is $50 per card.
In 2021, I received a retention offer on each card---15000 MR points for spending $2000.00, which I accepted.

In October/November 2022, I am planning to cancel one of my GOLD cards.

Since 20,000 MR points is worth at least $200 in rewards, per card, I am considering activating both.

If I do that, are there any data points that I would be required to keep BOTH GOLD CARDS another year?

Does Amex get "upset" if I take the bonus and never use PAY OVER TIME?

Has anyone received a similar offer and activated PAY OVER TIME and canceled the feature the following month?