Creditor Guides
Every issuer handles delinquent accounts a little differently. Find your card or lender below to see what to expect.
Credit Card Issuers
What to expect when you fall behind or try to negotiate with these card issuers.
Capital One Credit Card: What to Do If You're Falling Behind 2026
Struggling to pay your Capital One card? Learn about hardship programs, payment plans, charge-off timelines, and settlement options.
Citi Credit Card: What to Do If You're Falling Behind 2026
Falling behind on a Citi card? Here's how Citi's payment assistance works, what happens at charge-off, and your options if settlement becomes necessary.
Chase Credit Card: What to Do If You're Falling Behind 2026
What to ask Chase about payment assistance and hardship programs, what happens at charge-off, and your options if settlement becomes necessary.
American Express Credit Card: What to Do If You're Falling Behind 2026
How Amex's Financial Relief Program works, what happens at charge-off, and your options if settlement becomes necessary.
Synchrony Bank Store Cards: What to Do If You're Falling Behind 2026
What to ask Synchrony about hardship or payment assistance on your store card, what happens at charge-off, and your options if settlement becomes necessary.
Comenity Bank Store Cards: What to Do If You're Falling Behind 2026
What to ask Comenity about hardship programs on your store card, what happens at charge-off, and your options if settlement becomes necessary.
Bank of America Credit Card: What to Do If You're Falling Behind 2026
How Bank of America's hardship program works, what happens at charge-off, and your options if settlement becomes necessary.
Wells Fargo Credit Card: What to Do If You're Falling Behind 2026
What payment relief Wells Fargo may offer, what happens at charge-off, and your options if settlement becomes necessary.
Barclays Credit Card: What to Do If You're Falling Behind 2026
Falling behind on your Barclays card? Here's how their hardship program works, what happens at charge-off, and your options at every stage.
U.S. Bank Credit Card: What to Do If You're Falling Behind 2026
Falling behind on your U.S. Bank card? See how their hardship program works, what happens at charge-off, and your options at every stage.
Apple Card: What to Do If You're Falling Behind 2026
Falling behind on your Apple Card? Apple has a clear payment assistance program. Here's how it works, who to contact, and your options.
Merrick Bank Credit Card: What to Do If You're Falling Behind 2026
Falling behind on your Merrick Bank card? Here's what to ask about, what Payment Protection actually covers, and your options at every stage.
Credit One Bank Credit Card: What to Do If You're Falling Behind 2026
Falling behind on your Credit One Bank card? Here's how their hardship program works, what happens at charge-off, and your options.
Target Credit Card: What to Do If You're Falling Behind 2026
Behind on your Target Credit Card or Circle Card? Here's how their hardship program works and what your options look like at every stage.
Buy Now, Pay Later
How BNPL lenders handle missed payments and past-due balances.
Klarna: What to Do If You're Falling Behind 2026
Behind on Klarna payments? Klarna has a real repayment-plan option. Here's how it works, what happens if you're late, and your options.
Affirm: What to Do If You're Falling Behind 2026
Behind on Affirm payments? Affirm skips late fees, but missing a payment still has consequences. Here's what happens and how to get help.
Afterpay: What to Do If You're Falling Behind
Behind on Afterpay? They have a real hardship process. Here's what happens if you miss a payment, how to ask for help, and your options.
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