American Express payment difficulty and missed payments
American Express UK support for cardmembers who are struggling with payments or persistent debt.
American Express has a dedicated Financial Difficulties Team for cardmembers who are struggling to keep up with payments. It encourages customers to discuss changed circumstances and also provides persistent-debt support where interest and charges have outweighed progress on the balance over an extended period.
Contact the financial-difficulty team early
Explain what has changed, whether the difficulty is temporary or ongoing and what you can realistically afford after essential spending.
Persistent debt is different from one missed payment
Persistent debt concerns prolonged repayment patterns where interest and charges consume more than the amount reducing the balance. American Express publishes separate guidance for this situation.