A credit card hardship program is a temporary relief option offered by some card issuers for people dealing with a real financial setback. The goal isn’t to erase your debt. It’s to make your payments and interest more manageable so you can avoid falling behind and triggering bigger consequences. Hardship programs aren’t always advertised, and the terms vary by issuer and by customer. The only reliable way to find out what you qualify for is to call your card issuer and ask w