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Credit card payment help center

You don't have to face financial stress alone

We may have relief options to help make your payments easier to manage.

Short-term payment options

Short-term plans may help lower your payments. We'll explore options together to find what could work best for your situation.

Long-term payment plans

Long-term plans offer budget flexibility, so you can manage essential expenses without feeling stretched.

Change payment date

Sometimes timing is everything. You may be able to adjust your due date to better align with your paycheck or budget.
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Ready to connect?

Find relief in the Wells Fargo Mobile® app

When money feels tight, Relief Center makes support simple. With a step-by-step, self-service approach for requesting payment relief, you can take action anytime, anywhere.

Eligibility depends on your situation and not everyone will qualify.


Send a text to 93557, and we’ll send you a link to download the app: Text IPH for Apple or AND for Android.

Message and data rates may apply.

Talk with us directly

Our payment specialists are ready to walk you through your relief options.

1-800-988-8019

Monday-Friday
8:00 a.m. to 5:00 p.m.
Central Time

Meet with a Wells Fargo banker

Speak with a banker to discover which payment relief options may work for you.

Make an appointment

FAQs: Getting help with credit card payments

If making your payment feels overwhelming, you're not alone — and help is available. Depending on your situation, you may qualify for options like a short-term hardship plan, reduced payments, or other support to make things more manageable.

Hardship programs are designed for temporary financial challenges, such as job loss, medical expenses, or unexpected changes. These programs may offer benefits like lower interest rates, waived late fees, or reduced minimum payments for a limited time.

Joining a hardship or relief program doesn't automatically harm your credit score. However, if your account is already past due or if changes to your payment terms are reported to credit bureaus, your score may be affected temporarily. Acting early can help prevent missed payments and bigger impacts later. These programs are meant to help you recover — not set you back.

Be cautious. Some third-party companies claim they can "erase" debt but often charge high fees or advise you to stop paying your creditors. This can damage your credit and lead to additional fees or collections.

Yes. You don't have to wait until you miss a payment to ask for help. Reaching out early often means more options are available. Our specialists can review your account, explain temporary support programs, and help you create a plan that fits your budget.

By texting IPH or AND to 93557, you agree to receive a one-time text message from Wells Fargo with a link to download the Wells Fargo Mobile® app. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Please refer to the Supported Browsers and Wells Fargo Mobile® app Requirements page for mobile OS details.

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