American express hardship program phone

Yes, but your APR will be reduced to a rate disclosed upon enrollment in the hardship program. No, American Express confirms to NerdWallet. In the short-term program, your limit will be reduced.

With the long-term program, you won't be able to make any new purchases — but after successful completion of the plan, American Express notes to NerdWallet, you'll be able to continue using the card. In the short-term program, you'll be able to continue to make purchases up to a reduced limit.

In the long-term program, you won't be able to use the card for new purchases until you successfully complete the program. Simply participating in the hardship program won't affect your credit score, American Express notes. Assuming you comply with the program rules, AmEx will continue reporting your account as current if it was current prior to enrollment. That's in line with the limited credit protection provided for by the Coronavirus Aid, Relief, and Economic Security Act.

However, your scores could drop when your limit is reduced since that could drive up the percentage of available credit you're using, called your credit utilization ratio. This is a major factor in your credit scores. Your scores could also be negatively impacted if you don't comply with the program terms — for example, don't make payments — or if your account is canceled because of noncompliance.

If you're in a long-term payment plan, AmEx will also report that to the bureaus. While it won't affect your score, the information will be visible to other lenders, the issuer notes. Upon enrollment in a hardship program, your existing autopay arrangements will be canceled and replaced with monthly payments according to the terms of the payment plan, AmEx tells NerdWallet.

After the successful completion of the program, you'll have the option to enroll in autopay again. Yes, AmEx confirms to NerdWallet that cardholders enrolled in the program will continue to get statements. If you have more questions, contact AmEx's customer service line at Or log into your account online or in the app to chat with customer service via instant message. What relief can I get? How do I request relief? Telephone us:. Money Advice Service.

For free, unbiased and easy-to-access money tools, information and advice:. Debt Action - Advice NI. If you live in Northern Ireland, visit advice-ni. Citizens Advice. For advice and information on debt and other topics, visit your local Citizens Advice Bureau or go to adviceguide. National Debtline. If you live in England, Wales or Scotland, visit nationaldebtline.

StepChange Debt Charity. For debt advice throughout the UK , visit stepchange. Automatic Payment Plans is a complimentary service that that automatically processes monthly payments from your bank account, by your statement due date. 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 Home Credit Cards Financial Hardship.