Act fast if you can’t pay
If you’re unable to pay your credit cards, talk with your credit card company and let them know that you cannot make a payment. You may get relief.
A company can typically change your credit card terms for future purchases, but they’re generally required to notify you 45 days in advance of any significant changes. Read more
Your interest rate is what you pay for borrowing money, and most companies calculate it daily. The sooner you pay all or part of your balance, the less interest you pay. Read more
Credit cards have interest rates that are either fixed or adjustable based on an interest rate index. When shopping for a card, find out if the APR is fixed or variable. Read more
Understand your situation
Know your rights
Submit a complaint
If you are having an issue with a credit card, you can submit a complaint to the CFPB. We’ll work to get you a response from the company.