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FINANCIAL RELIEF PROGRAM
We’re here to help you get back on track.
Control Your Finances Without Putting Your Life On Hold
Make It Easier to Pay
We may be able to help you by temporarily lowering monthly payments and interest rates.*
Keep Your Card Membership
Enrollment does not cancel your active Card, so you won’t have to reapply for a Card when you successfully complete the program.*
Use Your Card
Depending on your account status, our short-term plan may offer you the ability to make purchases within a reduced limit while you also make payments. Unlock this once you bring your balance below that limit.*
Support You Expect
Our Customer Care Professionals are committed to providing you world class service along the way to help you move forward.*
*See below for full Program Terms & Frequently Asked Questions
What You Can Expect
Improving your financial life doesn’t have to be complicated
Connect With Us
Before you put a plan into action, we can review your financial needs online, by chat or by phone at 1-866-703-4169 so you can get a better idea of your options. Get started online.
View Your Options
Get to know the details of the individual short-term or long-term plans we offer.
Manage Your Payments
Once you enroll, we’re here to answer questions regarding your Card account and how to pay off balances.
Get Back on Track
After you successfully complete the program, you can continue to leverage tools like Auto Pay and payment alerts to stay on top of your Card account.
Have Questions?
We have answers to help.
We will determine your eligibility for the Program, upon your request to enroll, based on factors including delinquency status, prior enrollment in the Program, or the balance on your Card account.
For general inquiries not related to the Financial Relief Program, please call the number on the back of your Card or chat with us regarding the specific question.
Review what options are available to you online and take a look at your plan in the Plan Details step. If you feel it meets your needs, call or chat with us to review the detailed Program terms, schedule payments, and complete enrollment. As part of enrollment into the Program, we require an immediate payment. If you do not see a plan that meets your needs, we encourage you to call us to discuss what other options may be available to you.
An immediate payment is needed to enroll. If you are unable to pay today, please contact us when you are able to make an immediate payment.
No additional information is needed to enroll in the Financial Relief Program. You will just need to review and select the plan option, and then select a bank account linked to your current American Express account for ongoing payments. If you do not have a bank account already linked, you will need to have your bank account information available.
For more information about your credit score, please contact the credit reporting agencies directly.
If you enroll an eligible Card account / loan in the Financial Relief Program, all of your other eligible Card accounts / loans will be automatically enrolled in the Program as well.Your other Card accounts with a balance less than $100 dollars may be cancelled and not be enrolled in this Program. You will be informed of all impacts at time of enrollment.
Yes, you can request to enroll in the Program even if your account is currently cancelled.
You may contact us at the number found on the back of your Card.
You are not eligible to enroll in the Financial Relief Program unless you are the Basic Card Member.
While enrolled in the Financial Relief Program, you are required to make your minimum monthly due payment, which will be disclosed to you at enrollment. If you do not make Monthly Program Payments by the following statement closing date (on consecutive billing cycles) on any of your enrolled Card account(s) or loan(s), you may be removed from the Program. Should this happen, we may pursue collection activities.
We may pursue collection activities. This could include cancellation of your account and placement of the account(s) / loan(s) with a collection agency.
If enrolled in the short-term Financial Relief Program only, and your account is current and not cancelled, you may be able to make purchases up to a reduced spending limit, which will be disclosed to you following enrollment and may adjust at any time during the Program. If prior to enrollment, you are at or over your spending limit, you will not be able to make purchases until you bring your balance below the limit. If enrolled in the long-term Financial Relief Program, you will not be able to make purchases.
While enrolled in the Program, you can earn rewards for purchases in the same way you would if not enrolled in the Program. However, please note your ability to make purchases may be limited – See Question 13. You may continue to use/redeem Reward Dollars and Membership Rewards® points as long as you adhere to the terms of the Program.
The scheduled payment amount and due date will be reflected on your monthly billing statement which is accessible online or through the mobile app. Additionally, our Voice Response system will reflect the terms of the Financial Relief Program if your account(s) is, or once it becomes, current.
Yes, you may make additional payments on your account(s) at any time using our standard payment options and complete the Program early.
Yes, the fact that you were enrolled in a financial relief program will impact your ability to get a new account. Approval is subject to your credit score, not having any serious delinquency or default on your credit report, other indicators of your creditworthiness, your financial condition, our experience with you as an American Express customer, fraud review, and other eligibility requirements under applicable law. Other terms and conditions apply.
You can request to have your cancelled account(s) enrolled in the short-term Financial Relief Program evaluated to be reinstated within 30 days of successfully completing the Program. This evaluation will not ensure reinstatement of your account. The reinstatement decision will also be based on your overall credit worthiness at the time of the request.
AMERICAN EXPRESS FINANCIAL RELIEF PROGRAM TERMS
Program Overview
Eligible Card Members may request to enroll in either the short-term payment plan or the long-term payment plan of the American Express Financial Relief Program (the “Program”) by visiting www.amex.co/financialrelief or [calling 1-866-703-4169] .The short-term payment plan can provide relief benefits for 12 months following enrollment and the long-term payment plan can provide relief benefits for 36 or 60 months following enrollment. Eligibility for the 36 or 60 month long-term payment plans will be based, in part, on your American Express Card product and will be communicated to you before you submit your request for enrollment. We will determine your eligibility for the Program upon your request to enroll, based on factors including delinquency status, prior enrollment in the Program or the balance on your Card account. After you exit the short term payment plan, your standard late fees and minimum due calculation will apply unless we notify or have notified you of a change. After the Reduced APR Period, your APR and annual membership fee, if any, will resume in accordance with your Cardmember Agreement. For the Short Term Program, the Reduced APR Period is the 12 consecutive billing periods beginning with the billing period during which your account is enrolled in the Financial Relief Program.
After you complete the long term payment plan or exit early for any reason, your Card account (s) will then be subject to the APR (s), fees and minimum due calculation as described in your Cardmember Agreement.
Program Relief Benefits
While enrolled in the Program, you will have access to the following benefits:
• Your minimum monthly payment due may be reduced. The Program monthly payment will be disclosed to you at enrollment
• Your Card account will be subject to a reduced APR for balances subject to an interest rate, unless you have an APR that is lower than the Program APR, in which case the lower APR will apply until that APR expires (if that rate has an expiration)
• We will waive your late payment fee, and also annual membership fees (if any), if it otherwise would have been charged while you are enrolled in the Program
• For the short-term payment plan only, you may be able to make purchases up to a reduced spending limit, which will be disclosed to you following enrollment and may adjust at any time during the Program.
If, prior to enrollment, you are at or over your spending limit, you will not be able to make purchases until you bring your balance below the limit. You will also not be able to make purchases if your account is cancelled, if any of your accounts or loans are past due, or if a payment has been returned.
Program Requirements
In order to maintain all the benefits of the Program, you must comply with the Program Terms, which will be communicated to you at enrollment and which will include the requirements that:
• Monthly Program Payments for your American Express Card and/or Loan account (s) enrolled in the Program must be made in accordance with the terms of the Program
• If you do not make Monthly Program Payments by the following statement closing date (on consecutive billing cycles) on any of your enrolled Card or Loan account(s), you may be removed from the Program
Program Limitations
Program limitations will be communicated to you during enrollment, which will include the following:
• If enrolled in the long-term payment plan, you will be unable to use your Card to make purchases while in the Program
• You may not have access to all Card benefits and features
• Card accounts with a balance less than $100 dollars may be automatically cancelled and may not be enrolled in the Program. You will be informed of all impacts at time of enrollment.
Impact on your Credit Score
• Any reduction to your credit limit , on enrollment into the Program , may have a negative impact on your credit score
• If your account is reported to consumer credit bureaus and if you are enrolled in the long-term payment plan, we will inform the consumer credit bureaus that you are participating in a payment plan, which will not directly impact your credit score, but will be visible to other lenders.
• If you do not comply with the Program Terms and you are being reported to the credit bureaus, we will report that status, which may negatively impact your credit score.
• If you are removed from the Program because you do not comply with the Program terms, your Card account(s) may be cancelled which may impact your credit score.