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

We understand that circumstances can change affecting your financial well-being 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 team will try to 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. 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: Please note that as per UAE Central Bank regulations, the bank is obligated to report all credit facilities to the Al Etihad Credit Bureau (AECB).

How you can reach us

Please reach out to our 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.

Phone Banking	Email	Visit Us
Contact one of our service representatives by calling +971600542520. We’re available from 8:00am to 4:00pm, Monday to Friday.	Write to us at [email protected]. We'll get in touch within 2 working days.	You may visit our Financial Remediation – Customer Service Center in Dubai. Remember to bring your Emirates ID or passport for identification. Meydan Building P – Level 1, Nad Al Shiba 1, Dubai Timings: 8:00am to 3:45pm; Monday to Saturday On Friday, we are closed from 12pm to 2pm for a prayer break.

List of Debt Service Channel Partners

Emirates Islamic empowers outsourced vendors for carrying out collection activities on its behalf. The vendors are authorized 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.