Are you finding it hard to pay back amounts owed on your credit card or other debt?

We understand your circumstances can change, which may affect your financial situation and capacity to repay amounts owed to the bank. If you’re struggling to repay any Personal Finance, Auto Finance, Home Finance or Credit Card products, please reach out to us. We’re here to support you. Our dedicated team will help you with tailor-made solutions taking into consideration your changed circumstances.

Our solutions are aimed at making your repayment schedule manageable so that you can settle your debts over an acceptable and agreed time period.

Please see some of the below solutions which may be available for you:

• Easy Payment Plan for Credit Cards – Cancel your credit card with a reduced profit rate over a set period of time.
• Balance Conversion – Keep your credit card active with a reduced profit rate.
• Settlement Plans – Close your account early with a reduced amount.
• Payment Deferment (finance products) – Allows you to defer a payment if you’re not able to pay that month.
• Finance Restructuring – Allows you to extend your repayment tenure or reduce your profits rates.

It’s important to address this as soon as possible since non-payment of amounts owed on a timely basis will result in accumulation of monthly profit charges and fees; as well as affect your credit history with the Al Etihad Credit Bureau. On the other hand, paying your debts on time will help maintain your credit score and avoid any further impact to your credit worthiness.

You can also reduce you monthly installments by consolidating your finances. Please visit our Finance Consolidation Calculator to know more.

Disclaimer: The bank is obligated to report all credit facilities to the Al Etihad Credit Bureau (AECB). Not all customers will be eligible for all the above solutions and each solution has its own criteria.

How you can reach us

Please reach out to our dedicated Financial Remediation team through the below mentioned channels to discuss any issues pertaining to your finance facilities and receive debt counseling for better management of your repayments.

List of Debt Service Channel Partners

Emirates Islamic empowers outsourced vendors for carrying out collection activities on its behalf. The vendors are authorised to engage with the delinquent customers for collection of the pending dues which the Customers upon reaching a Settlement on their liability/ties should deposit the agreed settlement amount as per the Settlement Letter furnished by the Bank.

Click here to know more about the partners.

To view our fees and charges, please click here.