Support for credit card customers

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Support for credit card customers

If you have a Macquarie credit card and you’re experiencing financial difficulty, you can immediately defer your credit card repayments for six months.

During the payment pause period, your card will be blocked for purchases, so you won’t be able to use it. You will not be required to make repayments towards your credit card for six months. You also won’t accrue any interest, fees or additional charges. Once the payment pause period is complete, your payment obligations will restart. 

Staying connected

Instantly find answers to a huge range of your questions online by visiting our Help Centre, or send us a direct message @macquariebank on our Facebook and Twitter channels.

If you need to discuss how we can provide ongoing support, you can also contact us using the direct number listed below.

Credit Cards – 1800 674 922

Requesting a payment pause

You can apply for a six-month payment pause for your credit card by completing an online form at macquarie.com/au/personal/forms/payment-pause.
All Macquarie personal and business banking clients who are experiencing financial difficulty can immediately defer their loan or credit card repayments for six months. 
To support you during the payment pause period, you also won’t accrue any interest, fees or additional charges and there is no fee for taking up the payment pause.
No. During your payment pause, we won’t report to credit bureaus that you are missing your obligations on your credit card. This means your credit score will not be negatively impacted during this period.

Please note, this is the approach being adopted by Macquarie but it’s important you check with any other lenders that you may have products with to confirm their approach.

During a payment pause

You’ll know your payment pause request has been processed as we’ll be in touch with you every step of the way. We’ll email you to confirm we’ve received your request, when it has been processed, at three months to check in and then before your repayments are due to commence.
No, during the payment pause period you will not be required to make repayments towards your credit card for six months.

No, you won’t be able to spend on your credit card during the payment pause period. However, you can make repayments towards your credit card during that time if you wish to.

Yes, you can cancel at any time so we’d encourage you to connect with us to discuss cancelling your payment pause.

Over the next few months, we’ll also be checking in with you regularly to ensure you have all the information you need regarding your payment pause, and to get a better understanding of your ongoing circumstances.

Your payment pause cancellation will take up to 30 days to process. We will let you know once this has been completed and send you confirmation of what this means for your credit card.

After the payment pause

Yes, we’ll be checking in with you regularly to ensure you have all the information you need regarding your payment pause, and to get a better understanding of your ongoing circumstances. We’ll contact you to let you know when your repayments are due to restart.
We will be in touch to confirm the end of your payment pause and what you’ll need to do next. Your first monthly statement following the cancellation of your payment pause will confirm your next payment due date and payment amount.

If you require further assistance once the six-month period is over, please contact us so we can discuss your ongoing situation.