Best Buy Credit Card Hardship Program May 2026

: Monthly minimum payments are often reduced to fit a stricter budget during your hardship.

: Enrolling often results in your account being closed or your credit limit being significantly reduced to prevent further debt.

: Citibank may lower your APR, which is often near 30% for retail cards, for a set period (typically less than 12 months ). best buy credit card hardship program

: While the program itself doesn't automatically hurt your score, reporting modified terms or closing an account may cause a temporary dip.

The is a temporary repayment plan offered through Citibank (the card issuer) to help cardholders facing significant financial distress . Program Details & Benefits : Monthly minimum payments are often reduced to

: Some creditors require a formal hardship letter explaining the cause and expected duration of your situation. Important Considerations

: Be ready to provide a detailed list of your monthly income and expenses. : While the program itself doesn't automatically hurt

To qualify, you must demonstrate a , such as: Job loss or significant income reduction. Serious medical emergencies or illness. Natural disasters or other severe unforeseen events. How to Apply