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there are many reasons that a credit card company might consider a customer for a hardship program job loss or reduction of hours a change in marital status a new child an unexpected injury there are far more reasons which may seem legitimate to you that a credit card provider will not consider a hardship say unexpected cost to repair a car or having charged too much on your cards or payments that are too high or interest rates that are too high even a change in minimum payment do credit card companies are legally obligated to offer a program to help customers that have true hardships but theres not any sort of standard definition of what a hardship is nor explicit rules outlining how it has to be handled in general companies either offer a long-term hardship which is designed to pay off the debt typically within 60 months or a short term plan which lasts 6 months or a year very few companies offer both types the best hardship is long term these will usually have very low single digit