Financial Hardship 


In difficult times, let us help.









Sometimes, you may need support.


We understand that your personal circumstances can change. Sometimes you may face temporary periods of financial hardship for any number of reasons – often beyond your control.



These situations may include:  

  • Unemployment

  • Injury or illness

  • Divorce or separation

  • Unexpected reduction of income


    American Express understands that hard times can happen. That’s why, if you’re experiencing difficulty meeting your monthly credit commitments, it’s important to stay in contact with us – so we can make you aware of all the repayment options available to you. Our customer service team is specially trained to assess your situation and can provide repayment plans tailored to your needs.


    Solutions offered to you will differ depending on your circumstances. If you are experiencing temporary financial difficulty, contact us at 0800 472 355




    Helpful tools you can use right now


    As an American Express Cardmember, you have a range of financial tools at your disposal.


    Automatic Payment Plans is a complimentary service that that automatically processes monthly payments from your bank account, by your statement due date. Your payment will always be on time, so you won’t incur costly interest charges.


    American Express Credit Protector* is a Consumer Credit Insurance product and has been designed to provide American Express Cardmembers with peace of mind and additional financial security when they need it most. It helps ensure American Express card payment obligations are met by providing cover when Cardmembers are unable to engage in their usual employment due to sickness, injury or involuntary unemployment or even in the event of death or serious accident.  


    For more information about this optional consumer credit insurance, please contact us at 0800 656 667.