EXHIBIT 31.2CERTIFICATION

I, David L. Yowan, certify that:

|1. | I have reviewed this quarterly report on Form 10-Q of American Express Credit Corporation;                                                                                                                                                                                                                  
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|2. | Based on my knowledge, this report does not contain any untrue statement of a
  material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
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|3. | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the
  registrant as of, and for, the periods presented in this report;                   
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|4. | The registrants other
          certifying officer(s) and I are responsible for establishing and maintaining
          disclosure controls and procedures (as defined in Exchange Act Rules
    13a-15(e) and 15d-15(e)) for the registrant and have:                                                      
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|   | (a)                                                                                                                                                                                                                                                                                                         
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|   | (b)                                                                                                                                                                                                                                                                                                         
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|   | (c)                                                                                                                                                                                                                                                                                                         
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|5. | The registrants other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrants auditors and the audit committee of the
  registrants board of directors (or persons performing the equivalent
  functions):      
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|   | (a)                                                                                                                                                                                                                                                                                                         
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|   | (b)                                                                                                                                                                                                                                                                                                         
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|Date: | August 14, 2007 |  | /s/ David L. Yowan      | 
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|      |                 |  | David L. Yowan         
|      |                 |  | Chief Financial Officer



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