How do I get hardship help?

If you are finding it difficult to make repayments on your credit accounts or have experienced an unexpected change to your circumstances that might impact your ability to make your repayments, you should contact your lender about financial hardship assistance as soon as possible.  

Lenders have well-established programs to assist you if you are experiencing difficult financial circumstances, and they will guide you through the process.  

Keep in mind that your lender is not required to agree to a financial hardship arrangement. It will depend on their assessment of your financial circumstances and why your repayments are overdue.