How to Deal with Credit Card Bills During the COVID-19 Crisis
If you’re worried about how you're going to make your credit card payments due to recent financial hardship, several major companies have announced measures to help. While not every credit card company may be offering direct financial support, it’s worth taking a look at their COVID-19 support pages to open up a communication channel with their support team. The best thing you can do right now is relay your hardships to your respective credit card company and see how they can help!
Hear what some of the largest companies are saying in response to the COVID-19 pandemic.
What Your Credit Card Company Is Saying Right Now
Since their call volume is so high, American Express is urging users utilize the Helpful Links section of their COVID-19 Support page (linked above) before reaching out. You can also find resources on the Amex App where you’ll find quick access to your account.
Their 24/7 support number is 1-800-528-4800.
For help making credit card and/or home loan payments, follow the link here where you can request a payment deferral.
Head here to reach out for personal credit card support. Capital One hasn’t announced any specific programs to help folks facing financial hardship, but it’s always best to call to see what they can do if you're behind on payments.
Chase has put together a resource center where you’ll find links to assistance with mortgage payments, car payments, and managing your business. There is also a resource here where you can dispute claims via an online portal.
Call wait times are very high right now. Try filing an email or chat support request first, and if you need to call, be patient!
Citi Bank is urging folks to message them through the Citi Mobile App and to utilize their digital tools instead of waiting on hold. Many features are available online such as disputing a charge or adjusting credit card autopay settings.
For eligible credit card holders facing hardship right, they are offering a collection forbearance program, which means you could likely temporarily pause minimum payments. You can contact Citi at 1-855-839-6253 for more details.
Discover wants folks to know that they have support available for qualified customers facing difficulties right now.
Credit card customers can call 1-800-497-2816 (TTY/TDD 1-800-347-7449) any time or send a message through the Account Center online or in the mobile app.
PNC Bank is closely watching the development of the CARES Act as federal rules, including the Paycheck Protection Program (loans providing direct incentive for small businesses to keep their workers on payroll), get sent down.
You can inquire about financial assistance through this link. Due to the high volume of requests, it may take 7-10 business days for the processing of some requests, so be patient!
BB&T and SunTrust are offering payment relief for up to 3 months on credit cards. Follow the provided link and have your social security number, zip code, and account number on hand!
US Bank customer service can be reached at 888-287-7817 or through their online resources. Don’t hesitate to contact them for assistance as they are closely monitoring the COVID-19 pandemic and are ready to help folks.
Wells Fargo is offering financial assistance to eligible credit card holders through their mobile app, online tools, and by calling 1-800-869-3557. Visit their customer assistance page for more information!
Reach Out to Your Credit Card Company
Many of these major companies are offering support at varying levels. The best thing you can do right now is make a call and let them know your situation! Call volume will assuredly be high, so be patient if you’re on hold. And don’t hesitate to utilize online support tools such as chat, email, and mobile!
For additional COVID-19 resources, please visit our guide here.