: Call the customer service number on the back of your card or visit the Citi Debt Management page .
If Citi denies your request, consider a non-profit credit counseling agency like DebtWave . Best Buy/Citi often works with these organizations to reduce interest rates and consolidate payments into a single monthly plan. best buy credit card hardship program
: If requested, write a concise letter explaining why you can't pay and what amount you can realistically afford. : Call the customer service number on the
💡 : Apply for a hardship program before you miss a payment. Joining a program early can sometimes prevent the severe credit score damage associated with 30-day or 60-day delinquencies. Best Buy Hardship Program for Debt Payment & APR Relief : If requested, write a concise letter explaining
: Never start a modified payment plan until you have the new terms in writing from the creditor. Alternative: Credit Counseling
: Citi might lower your credit limit or close the account entirely to prevent further debt.
: The minimum payment amount may be adjusted to fit your current income.