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It is an unfortunate reality that the financial recession has forced many people into charge card debt. However, Americans who have chosen to use Chase charge cards seem to be a bit more thankful during these trying times. This is because Chase has offered a financial hardship program to people that can be matched by no other lender. This shows that Chase really cares about their credit card customers. This leaves many consumers with one question, "So, if I'm dealing with a financial hardship, how do I ask Chase for help on my credit card accounts?". Although, this is a fairly simple process, I would suggest reading the following steps carefully because you only get one shot at setting up a financial hardship program. Step 1: Get Prepared: The first step that people should take when setting up a Chase financial hardship program is to get prepared. The preparation process is a simple as making a couple of lists. First Americans should make a list of all of their household expenses. This list should include everything from mortgage or rent payment to food to gas to utilities, child care and insurance expenses. Once Americans have prepared a list of their expenses, the next step is to prepare a list of income. All income should be included on this list from salary to pension and rental income. However, child support and alimony need not be included. Once Americans have these lists prepared, it's time to move to the next step! Step 2: Make The Call: On the back of Chase charge cards, people will find a toll free customer service phone number. Consumers should simply call this toll free number. When Americans call the toll free number on the back of their Chase charge card accounts, they will be quickly greeted by an automated system. Consumers should press 0 until they are directed to a live representative. Step 3: Ask For The Hardship Department: The next step that people will need to follow when setting up a Chase charge card account hardship program is to ask for the hardship department. However, people should not ask directly for this. Instead, they should say "Hi, I am currently dealing with a financial hardship, I was told by a friend that if I called you might be willing to help. Is there any way you can direct me to the department that handles payment options?". At this point, the consumers will be transferred to the financial hardship department. Step 4: Explain Your Hardship: Once at the financial hardship department, people should explain their hardship. It is important to remember to be honest. Consumers could start the conversation with "Hi, I am experiencing a financial hardship because..." and tell the associate what has caused the financial hardship ending the statement with "...and I was told by a friend that if I called to discuss payment options, you may be able to help me. Are there any options for relief on my account?". At this point, the financial hardship associate will ask a few questions to the people. If they have prepared their lists of expenses and income, this financial analysis should go pretty smoothly. By the end of the conversation, if the financial analysis shows a real financial hardship, the consumers will receive relief! This article is brought to you by: JEMCreditCards.com: Skymiles Credit Card Offers The Best Credit Card Offers
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