Debt Management

Are you struggling to meet your financial commitments?

Have you been facing difficulties in paying back amounts owed on your credit card or other debt?

Life circumstances can at times result in financial challenges. We are here to help provide you with the necessary support and guidance so that you can take the steps needed to manage your debt.

It’s important that you take timely action so that your financial difficulties do not impact or further impact your credit history and score with Al Etihad Credit Bureau and ability to get financing in the future.

Please find below few of the advantages which our customers will benefit from having regular payment history:

  • Prompt payment protects the credit rating with us and associated benefits such as facilities at subsidized rates, attractive investment offers, automated credit lines etc.
  • Prevent late payment donations from being levied on overdue amounts.
  • Avoid negative impact on the credit rating with the bank as well with Central Bank and Al Etihad
  • Prevent legal actions from being initiated by Aafaq in case of continued defaults on payments.

Our team is here to help you explore options that will help make your repayments manageable and ease your situation to help you resolve the issue.

Disclaimer: Please note that as per UAE Central Bank regulations, Aafaq is obligated to report all credit facilities to the Al Etihad Credit Bureau (AECB).

How you can reach us

Please contact us through one of the channels mentioned below to discuss any issues pertaining to the payment of your debt and to receive debt counselling for better management of your repayments.

  • You may reach out to us on 04-3306444. Our call center operates 24/7.
  • Write to our Collection Counsellors at
  • You may visit our Offices located in Dubai : 23rd Floor, Al Saqr Business Tower, Sheikh Zayed Road, DIFC


  • 8:00 a.m. to 4:00 p.m. Monday to Thursday
  • 8:00 a.m. to 12:00 p.m. Friday

Schedule of Charges

Please click here for schedule of fees and charges.

Self-help tools for budgeting and managing money.

Please refer to the “Financial Education”

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