Hardship letter builder
Credit card hardship letter template
Write a letter asking your card company for hardship help, like a lower rate or payment. Copy it or print it.
How this works
- The letter explains what changed, asks for the help you choose and says what you can afford to pay.
- It asks the company to explain its hardship options, how the account would be reported to the credit bureaus, and to confirm any change in writing.
- It uses only the last 4 digits of your account number.
- What you type isn't saved or sent anywhere; it stays on this page until you leave.
- This is a template with information, not legal advice.
Sources
Awaiting expert reviewEstimates only; not financial, tax or legal advice.
Common questions
What should a hardship letter include?
What changed, what you're asking for (such as a lower rate or payment) and what you can afford each month. Keep it short and factual, and keep a copy.
Should I call or write?
You can do both. Whatever you agree to on the phone, ask the company to confirm in writing.
Will a hardship program affect my credit?
It depends on the program and the company. Ask how the account will be reported to the credit bureaus before you agree; the letter includes that question.
Is this legal advice?
No. It's a template with information to help you write your own letter. For advice about your situation, talk with an attorney or a nonprofit credit counselor.
Is the information I enter saved or sent anywhere?
No. What you type stays on this page. It isn't saved or sent anywhere, and it clears when you leave or reload the page.