Why would you use APT if you have 5 AMEX cards. Just call them and change the billing cycle so that it is equally spread across the month. That way you have around 45 to 50 days to pay for your purchase you don't have to pay instalments every fortnight. Also with AMEX you would get points and other benefits which you don't get with APT.
Amex to offer instalment option, page-8
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