Credit card relief can be a valuable option if you're facing financial hardship — and it won't harm your credit score as long as you and your lender are on the same page
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If you're unable to pay your bills, one option is to look into your bank's credit card forbearance program.

Credit card forbearance is an agreement you make with your lender. It essentially lets you pause or lower your account payments for a specified amount of time.

If you enter into credit card forbearance, your credit score won't suffer so long as you've worked out an agreement with your lender.

If you simply stop paying your bills without talking to your bank, it...

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