Citi Card Hardship Program

Understanding Citi Card Hardship Program

If you're struggling to make payments on your Citi credit card, you may be eligible for a hardship program designed to provide temporary relief during difficult financial times. These programs can help you manage your debt and avoid default.

What Does Citi Offer?

Citi hardship programs typically include:

• Reduced or waived interest rates
• Lower minimum monthly payments
• Waived late fees and penalties
• Temporary payment plans (typically 6-12 months)
• Account freeze to prevent additional charges

Eligibility Requirements

To qualify for a Citi hardship program, you typically need to:

• Have an active Citi account in good standing
• Demonstrate a genuine financial hardship
• Be current on your payments or only recently missed payments
• Provide documentation of your hardship
• Show ability to make reduced payments

How to Apply for Citi Hardship Program

1. Call customer service: Contact Citi at the number on the back of your card
2. Ask about hardship options: Specifically request to discuss hardship or financial relief programs
3. Explain your situation: Be honest and specific about your financial difficulties
4. Provide documentation: Submit required proof of hardship (job loss letter, medical bills, etc.)
5. Review and accept terms: Carefully read all program terms before agreeing
6. Get written confirmation: Request documentation of your enrollment and program terms

What Happens After the Program Ends?

Once you complete the hardship program:

• Your account terms will return to normal
• Interest rates will return to the original rate
• You'll need to resume regular payments
• Your account may be reviewed for reinstatement of charging privileges