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
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.