American Express Credit Card Debt Help
Worried about American Express credit card debt? If the balance isn’t going down or payments are getting harder to manage, we’ll help you understand your options and find a way forward that feels more manageable.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
Rated Excellent
100% FREE ADVICE
Get information today on your available options
Feeling The Strain Of Your American Express Card?
American Express credit cards can offer flexibility when you need it, but when interest piles on and repayments barely scratch the surface, that flexibility can quickly become a financial labyrinth. If your balance isn’t shifting or payments are becoming a source of stress, now might be the right moment to pause and delve into your options.
At PennyPlan, we understand that credit card debt isn’t just numbers, it’s part of the wider mosaic of life’s pressures. Our advisors take the time to listen, untangle the situation, and help you find a way forward that feels manageable.
As seen on:
What Happens If I Don’t Pay My American Express Credit Card?
Missing payments on your American Express credit card can lead to added interest, late fees, and a growing balance that becomes harder to manage over time. You might receive reminder letters or calls, and your account could be suspended if the debt remains unpaid.
In some cases, American Express may pass your account to a debt collection agency or begin legal action, such as applying for a County Court Judgment (CCJ). This can affect your credit file and limit your ability to borrow in future.
The sooner you get support, the more control you’ll have over the situation. At PennyPlan, we’ll help you understand what’s happening and guide you through your next steps.
We Help With Most Debts - Not Just American Express!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Managing American Express Credit Card Debt
American Express debt can build up fast, particularly when high interest rates make it harder to reduce the balance each month. A few missed credit card payments can quickly turn into something more difficult to manage.
If you’re also dealing with other credit commitments, it’s understandable to feel overwhelmed. But there are regulated solutions that could help. Depending on your situation, Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), and Debt Relief Orders (DROs) could reduce what you pay and bring things back under control.
We’ll take the time to understand your circumstances and explain your options clearly, so you can move forward in a way that feels manageable.
How Could An Amex Credit Card Debt Solution Help You
Understanding the options available to deal with your American Express credit card debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some Amex credit card debt potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Amex Credit Card Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
100% FREE ADVICE
Get information today on your available options
Get Support With American Express Credit Card Debt
If your American Express balance is starting to feel unmanageable, now could be the right time to explore your options.
Whether you’ve missed a payment or you’re simply worried about where things are heading, you’re not alone, and you don’t have to figure it out on your own.
At PennyPlan, we offer confidential advice that’s tailored to your situation. We’ll help you understand what support is available and guide you toward a solution that feels realistic and sustainable.
Ready to take the next step? Our team is here to help, get in touch today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can American Express Credit Card Debt Be Included In An IVA Or DMP?
Yes, American Express credit card debt is usually unsecured, which means it can often be included in a formal debt solution like a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA).
These options are designed to make repayments more manageable by combining multiple debts into one monthly payment. They can help reduce financial pressure and bring a clearer path forward; especially if Amex is just one of several balances you’re struggling to manage.
We’ll help you understand whether a structured solution is the right fit for you, and explain everything clearly so you can move forward with confidence.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
American Express Credit Card Debt FAQs
Yes. If you’re struggling to pay your American Express credit card, you may be eligible for debt solutions like a DMP, IVA, or DRO. PennyPlan offers free, confidential advice to help you understand what’s right for you.
Missing an American Express payment can lead to late fees, increased interest, and a damaged credit score. Over time, your account could be suspended or passed to a debt collection agency.
If your account remains unpaid, American Express may pursue legal action such as a County Court Judgment (CCJ). Acting early can help avoid this and give you more control over your options.
Yes. Missed payments, defaults, or legal action related to your Amex account can negatively impact your credit file and make borrowing more difficult in the future.
