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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 – and even provide relief from future late payment fees.*  

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.

For over 170 years, we have been committed to supporting customers like you, no matter the circumstance. Thank you for your Card Membership.

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Have Questions?

We have answers to help.


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 [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 complete the Program or exit early for any reason, your Card account will then be subject to the APRs, fees and minimum payment calculation 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 will be reduced to an amount that is disclosed to you at enrollment
  • Your Card account will be subject to a reduced variable APR (for balances subject to an interest rate) that is disclosed to you at enrollment
  • Any balance(s) with a lower than the Program APR will remain at the lower rate until that rate 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.

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:


  • Your enrolled American Express Card account(s) must not be cancelled
  • Program payments for all your American Express Card accounts must be made timely
  • 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

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 enrolled
  • You may not have access to all Card benefits and features
  • We will cancel any account you may have with a balance less than $100

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 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.