What happens if I miss a credit card payment?

If you miss payments on your credit card, Westpac will attempt to contact you via TXT, a call or a letter to let you know payment is overdue. When payments are missed, additional interest and fees may accumulate.

Your credit status may be affected which could impact your ability to gain credit in the future. Your card may also be cancelled so you won’t be able to use it when you need it and regular payments out of it will be declined.

If you’re struggling with meeting your payments or think you might miss one, the best thing to do is act early - talk to us as soon possible. We’re available on 0800 772 771 weekdays 8am to 6pm.