I cannot afford to make a payment
What to do if you are experiencing financial difficulties
Even with the best planning, there are many reasons why financial difficulties can arise. Sickness, injury, job loss or relationship breakdown can all play a part.
If you have difficulty making payments, the sooner you take action to manage the situation, the easier it is to find a solution.
At Westpac, we encourage customers facing financial difficulty to talk to us as soon as the situation arises. Our team at Westpac Assist will take the time to understand your situation, and provide you with personal assistance to manage your Westpac accounts.
We make a commitment to supporting customers who are facing financial difficulty.
Please visit our Responsible Lending site for more detail.
Getting independent help from financial counsellors
You may also wish to contact an independent financial counsellor as they can help you with:
- Providing free, confidential counselling services
- Exploring options to reduce your debt
- Negotiating on your behalf
- Assisting with a variety of issues from budgeting to debt recovery.
We have listed details of independent financial counselling services you may find useful.
|
State or Territory |
Services |
Contact details |
| Australia wide | Commonwealth Financial Counselling Directory | www.facs.gov.au |
| Australian Securities and Investments Commission | See your state below | |
| NSW | NSW Financial Counsellors Association | 1800 808 488 |
|
ACT |
Care Financial Counselling Service | 02 6257 1788 |
| Tasmania | Anglicare Financial Counselling Services | 1800 243 232 |
| Northern Territory | Anglicare NT | 08 8985 0000 |
| Victoria | Consumer Affairs Victoria | 1300 55 8181 |
|
Western Australia |
08 9221 9411 | |
| Financial Counsellors' Association of WA | 08 9325 1617 | |
| Queensland | Financial Counselling Association of Queensland | 07 332 13192 |
| South Australia | South Australia Financial Counselling Association | financialcounselling@safca.info |
| Uniting Care Wesley |
08 8202 5180 |
Things you should know
- Important: If you are applying for a selected credit card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac credit card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Credit card applications are subject to Westpac's normal lending criteria. An additional credit card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.
