If Citi denies your request, consider a non-profit credit counseling agency like DebtWave . Best Buy/Citi often works with these organizations to reduce interest rates and consolidate payments into a single monthly plan.
💡 : Apply for a hardship program before you miss a payment. Joining a program early can sometimes prevent the severe credit score damage associated with 30-day or 60-day delinquencies. Best Buy Hardship Program for Debt Payment & APR Relief best buy credit card hardship program
: The minimum payment amount may be adjusted to fit your current income. If Citi denies your request, consider a non-profit