Hardship Letter for credit cards


  1. Site your credit card details and the fact that you have missed a few payments.
  2. Explain the reason for the delay and your offer to settle the debt.
  3. Thank the reader for understanding your condition.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

I am writing this letter regarding the credit card number 123456789. I am a few months past the due date and have not been able to make payments.

I have been laid off by my employer and have little savings that I need to use for sustaining my family. I would like, however, to settle the dues. I would request if I can make a payment of $25 each month towards the settlement.

It would be extremely helpful if you would understand my condition and accommodate my offer. Thank you.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -