Having trouble making monthly payments? Reaching out to your credit card company may help.

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Maybe you planned to pay off all your credit card debt by April or May. But now we’re in the middle of a national public health emergency and economic crisis, and you may no longer have a job. Even if you are still working, you might not be earning an income next month.

During a troubled economy, a credit card payoff plan can take a back seat to rent, mortgage payments, and other essentials. Normally, your credit score could take a hit if you missed a payment or paid late. However, several credit card companies may be willing to cut some slack if you’re experiencing financial hardship due to COVID-19-related circumstances.

1. Citi

If you’re struggling to make monthly Citi credit card payments due to the impacts of COVID-19, you can request a waiver of minimum payments due and late fees for two statement cycles. Log into your Chase credit card account to request COVID-19 assistance online.

You may also be eligible for Citi’s credit card collection forbearance program if you’ve fallen behind on payments. To find out more, text “app” to 692-484 for a link so you can send a message on the Citi Mobile App.

2. Chase

If you have a Chase credit card, you can enroll online to request delaying credit card payments for yourself or your business due to impacts of COVID-19. You can also call the number on the back of your card or statement.

You may also be eligible for additional benefits if you are active military or activated to respond to a disaster. For more information, call the Chase military services hotline at 877-469-0110.

3. Discover

Discover Bank has “support in place for qualified Discover customers” experiencing financial hardship due to the COVID-19 outbreak, according to Discover’s COVID-19 response page. Cardholders can call Discover at 800-497-2816 (TTY/TDD 800-347-7449) for payment assistance options or send a message via Discover’s online Account Center or mobile app.

4. American Express

In response to the COVID-19 crisis, American Express is extending its cards’ welcome bonus offers by three months on U.S. business and consumer credit card accounts that require a specific amount in purchases to receive the bonus. There’s no need to request an extension, since American Express will automatically apply the extension on cards approved from December 1, 2019 to May 31, 2020.

If you had to cancel or modify travel plans for round-trip purchases made on your American Express card, you can find information about coverage and submitting a claim on AMEX’s Coronavirus FAQs page for trip cancellation and interruption insurance. You’ll also find additional information on financial hardship options here.

5. Capital One

Capital One encourages cardholders impacted due to COVID-19 to contact customer support for help finding a solution if you’re having difficulty making monthly credit card payments.

“For customers who let us know they are being impacted, we are here to support and work with them,” said Capital One Chairman and CEO Rich Fairbank in a statement. “We are offering assistance to consumers and small business owners, including waiving fees or deferring payments on credit cards or auto loans.”

6. Wells Fargo

If you’re experiencing a financial hardship related to COVID-19, contact Wells Fargo to discuss options for deferred payments, fee waivers and other assistance for credit card customers.


USAA offers a 90-day payment deferral option to eligible cardholders. Call USAA Bank at 1-855-764-4617 to discuss available options.

8. Bank of America

If you’re a Bank of America consumer or business cardholder, you can submit an online request for payment deferral through Bank of America’s Client Assistance Program.


HSBC Bank offers reduced or deferred payments to credit card customers enrolled in its Customer Assistance Program due to financial hardship as a result of the COVID-19 public health emergency. HSBC can also waive cash advance, insufficient funds, overdraft protection and late fees for 60 days to those enrolled in the program.

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About the Author

Deb Hipp

Deb Hipp

Deb Hipp is a full-time freelance writer based in Kansas City, Mo. Deb went from being unable to get approved for a credit card or loan 20 years ago to having excellent credit today and becoming a homeowner. Deb learned her lessons about money the hard way. Now she wants to share them to help you pay down debt, fix your credit and quit being broke all the time. Deb's personal finance and credit articles have been published at Credit Karma and The Huffington Post.

Published by Debt.com, LLC