|
It is an unfortunate reality that the financial recession has forced many consumers into credit card debt. However, people who have chosen to use Chase credit card accounts seem to be a bit more thankful during these trying times. This is because Chase has offered a financial hardship program to consumers that can be matched by no other lender. This shows that Chase really cares about their charge card customers. This leaves many Americans with one question, "So, if I'm dealing with a financial hardship, how do I ask Chase for help on my charge cards?". 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 consumers 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 people 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 people 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 people have these lists prepared, it's time to move to the next step! Step 2: Make The Call: On the back of Chase credit cards, consumers will find a toll free customer service phone number. Consumers should simply call this toll free number. When people call the toll free number on the back of their Chase credit cards, they will be quickly greeted by an automated system. Consumers should press 0 until they are directed to a live worker. Step 3: Ask For The Hardship Department: The next step that people will need to follow when setting up a Chase charge card hardship program is to ask for the hardship department. However, consumers 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 Americans 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 representative 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 representative will ask a few questions to the consumers. 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 Americans will receive relief! This article is brought to you by: JEMCreditCards.com: Skymiles Credit Card Offers Compare Credit Card Offers
Related Articles -
credit card, credit cards,
|
