When you’re facing financial hardship, it may seem like your only option is to choose which bills you can afford to pay month-to-month, at least until you find a way to make ends meet.

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But there are programs designed to help you meet your financial obligations and preserve your personal credit — even when your income takes a hit due to circumstances beyond your control.

Here’s a look at some of the options Discover cardmembers may be eligible for to help manage financial hardship.

Financial Hardship is Often Caused by the Unexpected

No matter how well you manage your expenses based on your income, life can throw you a curve ball that derails your financial plans.

Discover has local assistance resources and financial hardship assistance programs to help cardmembers who experience financial difficulty caused by the unexpected — which can range from medical emergencies, disability, a serious accident, job loss, or sudden negative changes in income.

The goal is to find solutions that empower you to reestablish your financial footing and get back on the right track. These programs are designed to provide temporary financial relief, so you can maintain your financial obligations until your situation improves.

You’re Not in This Alone

If you’re in danger of missing a credit card payment, try your best to take action before your payment due date. Contact Discover to discuss your situation, review available payment methods and explore financial hardship options that may be available.

Representatives can also suggest non-profit resources that can help people experiencing financial challenges with budgets and debt management plans.

It’s Best to Be Proactive

If your income has been eliminated or significantly dropped, or you struggle to meet your monthly payment obligations for other reasons, contact a Discover representative to talk through your situation.

Proactive communication with creditors is key to minimizing the long-term impact of financial hardship:

  • Seek out the help you need to manage your bills and potentially make arrangements for a payment assistance program as soon as you think you may not be able to afford your monthly payments.
  • Explain your situation honestly with creditors, and try to reach a mutually agreeable solution that will help manage your financial strain, while honoring the agreement you made with the creditor.

Don’t wait until creditors are seeking you out; at the first sign of financial hardship, get the information you need to keep your accounts current and address your situation.

Financial Resources


Find local assistance and programs for food, utilities, and more.


Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.