How to manage financial hardship


Your personal circumstances constantly change. In difficult times, let us help. Sometimes, you may need support. 

Managing financial hardship

How we can support you


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. 



Helpful tools you can use right now


Like our Cards, our online services put you in complete control of your finances. Log on today and you'll be able to manage your finances and access your Account whenever you want, wherever you are, 24 hours a day. It's quick, easy and absolutely secure.


Enroll now >



Call for personal assistance


If you are experiencing temporary financial difficulties, contact our dedicated servicing team who're available 24 hours a day, 7 days a week.



Useful links


Current balance >


Pay bill online >


Update details >


Credit and Charge Cards explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card Guides are a great place to start.

American Express benefits


Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your Card.



Access to our customer service is available 24/7 by phone, text or email.



Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay, Samsung Pay, and Apple PayTM, you can even pay with your phone.

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.