- Financial Hardship
Citi understands that you may experience a sudden change in your life causing financial hardship.
We are here to understand your situation and tailor our solutions to best suit your individual needs.
So whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, we are here to help you get back on track.
Call Debt Management Solutions
Operating hours for contact number 9am-9pm, Monday - Friday (AEST) except public holidays
Select option 1 for Credit Cards, Ready Credit and Loans
Select option 2 for Mortgages
We are able to customise solutions based on your individual circumstances. We may be able to provide you:
- Payment variations
- Reduced payment plans
- Reduced settlements
The first step is for you to provide us with detailed information about your current financial situation. You can do this by filling out a Personal Financial Summary form and sending it with supporting documentation to us at this address
PO Box 3453
Sydney NSW 2001
or Document Upload: Here
Or email it to firstname.lastname@example.org by attaching it in a pdf or image format.
You may call our Debt Management Solutions team on 1800 722 879 1800 722 879 from 9am-9pm, Monday - Friday (AEST) except public holidays, and we can help you complete the Personal Financial Summary (PFS) form over the phone and advise you what solutions we can offer and any next steps you may need to take. The sooner we have your completed PFS form the sooner we can assess your needs. In order to provide assistance, we may also require one primary and one secondary supporting document. The types of documents we may require are set out below.
If you have difficulty with providing supporting documents, you can discuss this with our Debt Management Solutions team and we may be able to provide alternate solutions.
|Reason for Hardship||Please print in the letter|
|Reduction In Income||
|Unemployment / Redundancy||
|Divorce / Separation||
|Property Settlement / Pending funds||
|Unexpected Expenses / Overcommitment||
|Consolidation / Refinance||
|Loss of Rental Income||
|Death in Family||
Please provide any other additional documentation you feel supports your application for financial hardship.
We may ask for further supporting documentation depending on your circumstances.
After we receive your application, our Debt Management Solutions team will assess your application to determine eligibility and solutions, and will contact you to discuss the next steps.
During this time, if your circumstances change or you want to discuss your application you can contact our Debt Management Solutions team on 1800 722 879 1800 722 879 from 9am-9pm, Monday - Friday (AEST) except public holidays.
You can get free independent counselling and advice from a Financial Counsellor.
For a comprehensive listing of Financial Counsellors please visit the FCA website: financialcounsellingaustralia.org.au/Home
To talk to a Financial Counsellor by phone (or for referral) ring 1800 007 007 1800 007 007 from anywhere in Australia.
You can also access their self help website debtselfhelp.org.au
You can also get information from the following websites:
Contact Debt Management Solutions 1800 100 823 1800 100 823
9am-5pm, Monday - Friday (AEST) except public holidays
Citi has a long term commitment to Australia and supports the community through programs that have a sustainable impact in the communities in which we live and work.
We have three primary areas of focus; financial education, environment and education for disadvantaged youth.
Through each of these focus areas Citi provides financial support as well as opportunities for employee involvement.