Chase COVID-19 Credit Card Relief, Explained
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Chase is one of the many credit card issuers offering short-term credit card relief for customers affected by the COVID-19 pandemic. Eligible cardholders who apply online can delay up to three payments and get refunded late fees. Unlike some issuers, Chase also allows you to apply online.
What relief can I get?
Chase puts it this way: “You can delay up to three payments on your personal or business credit card if you’ve been affected by COVID-19.” That's a longer period than what some issuers are offering. Relief isn't automatic, though; you'll have to apply online or by phone.
If you qualify, you'll get the following during the relief period:
Statements showing no minimum payment is due.
Refunded late fees.
Chase notes you can request this assistance only one time per account.
How do I request relief?
The quickest way to apply for Chase COVID-19 credit card relief is online:
Go to Chase's COVID-19 payment assistance page and log in to your account. You should see a list of credit cards eligible for relief, along with terms and conditions for payment assistance.
Select cards for which you're seeking payment assistance by checking the boxes beside them.
Confirm that you're experiencing a COVID-19 hardship by checking the box at the end of the form and submit your request.
If you're unable to submit a request online, you can call Chase's customer service line to request relief. However, the issuer's website warns of “extremely long wait times” for those who call.
Will interest continue to accrue when payments are deferred?
Yes, the issuer notes it will continue charging interest according to the terms of your account.
Why don't I see my card listed?
If your card isn't listed on the payment assistance page once you log in, there are two potential reasons, according to Chase:
Your card isn't eligible for payment assistance. This could be the case if you already applied for this assistance before, for example.
Your card may be hidden. To unhide it, go to “Profile & settings,” which is on the left rail of your Chase account portal on desktop. Click on “Account settings” and select “Show or hide accounts.” Make sure the “Show it” box is selected for all your cards.
Will this void my 0% APR period?
No. “Promotional interest rates will expire according to their original terms,” notes the issuer in the payment assistance terms and conditions. This is good news for those with active 0% APR periods who need temporary relief from minimum payments.
Will I still be able to make purchases?
Yes. Chase notes in the terms and conditions that the payment assistance program “does not change how you can use your card, including your ability to make purchases.”
Will this hurt my credit?
"We won't report negative information to the credit reporting agencies from your participation in this program," Chase notes on its website. "This doesn't change any previously reported information, including delinquencies."
This is in line with the limited credit protection outlined in the Coronavirus Aid, Relief, and Economic Security Act. Under these rules, payment accommodations made during this time must be reported as current if the account was current previously. If the account was delinquent previously, it can continue being reported as delinquent during the accommodation period unless the cardholder brings it current.
Will my autopay preferences get updated automatically?
No. You'll have to update these yourself.
If you have your Chase card set up to automatically make withdrawals from your bank account, here's how you can update it:
Log in to your account on desktop and navigate to “Accounts.” You should see your Chase cards listed below.
Click on “Details” on the right side of your listed credit card above “Automatic Payments.”
Under “Automatic Payments” click “Turn off” to stop autopay. Or, you can click “Edit” and change your preferences so that you're only paying the minimum due. During the payment assistance period, this amount will be $0.
Will I still get statements?
Yes, Chase says it will continue sending out billing statements if you're enrolled in the relief program. These should note that there is no minimum payment due. It will also show your balance and other account activity.
Whom should I contact for more help?
Calling Chase customer service is your best bet. Here's the contact information:
Online and mobile digital support: 1-877-242-7372
Report credit card fraud: 1-800-432-3117
Credit cards and products: 1-800-432-3117
But because Chase is limiting hours for call center staff, this won't be quick. Expect long hold times.
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