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		<img width="631" height="250" src="https://assets.nerdwallet.com/blog/wp-content/uploads/2017/08/how-to-handle-credit-card-bills-during-an-emergency-story-631x250.jpg" class="img-responsive wp-image-437831 wp-post-image" alt="emergency" />		<meta itemprop="url" content="https://assets.nerdwallet.com/blog/wp-content/uploads/2017/08/how-to-handle-credit-card-bills-during-an-emergency-story-631x250.jpg" /><meta itemprop="width" content="631" /><meta itemprop="height" content="250" />	</div>
	
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			<!-- AddThis Sharing Buttons above --><div class='at-above-post addthis_default_style addthis_toolbox at-wordpress-hide' data-url='https://www.nerdwallet.com/blog/credit-cards/how-to-handle-credit-card-bills-during-an-emergency/'></div><p>Credit card bills might not be your first priority during an emergency, whether it’s a natural disaster or an individual catastrophe, such as a house fire, severe illness or unexpected job loss. But making the right moves with creditors after such an event can save headaches later.</p>
<p>Here are some basic moves to make when you can’t pay your credit card bills after an emergency.</p>
<p><strong>» MORE:</strong> <a href="https://www.nerdwallet.com/blog/financial-help-after-natural-disaster/">NerdWallet&#8217;s guide to coping with finances after a disaster</a></p>
<h3>Maintain priorities</h3>
<p>Paying credit card bills late or not at all can lead to penalties, interest charges and damage to your credit score. But keep perspective and attend to your most urgent financial needs first. Paying your mortgage or rent — and insurance payments, if you’ll be making a claim — should stay high on your priority list, probably higher than paying credit card bills.</p>
<h3>Plan to contact creditors</h3>
<p>Credit card issuers will likely work with you on a plan during an emergency, but it’s crucial to contact them as soon as possible to explain your situation, according to the Federal Deposit Insurance Corp.</p>
<p>“The important thing is to make the call before your next payments are due,” says a guide from the Consumer Financial Protection Bureau. “Late or missing payments could damage your credit score at a time when you need access to credit most.”</p>
<p>During mass disasters, like a hurricane, credit card issuers often are proactive in identifying customers affected and offering leniency, such as temporarily waiving late fees and minimum payments, says Matthew Towson, a spokesman for Discover.</p>
<h3>Run the numbers</h3>
<p>Prior to making the call, scratch out a rough, near-term household budget based on the best information you have. For your call with a credit card issuer, estimate two crucial pieces of information: how much you can pay and when you can pay it.</p>
<p>“Those are things that matter to them,” says Paul Golden, spokesman for the National Endowment for Financial Education. “The higher your credit score, the more likely your creditors are (to be) willing to work with you. But the bottom line is they want to get paid.”</p>
<div class="panel panel-default">
<div class="panel-heading">
<h3 class="panel-title">Nerd tip</h3>
</div>
<div class="panel-body">If disaster befalls your home, notify utility and cable companies so they will stop billing you, which should free up some money.</div>
</div>
<p>Call your credit card issuer using the phone number on the back of the card. It may be an emotional time, but remember that this is a business call. Stick to the topic at hand: how you can keep your account in good standing.</p>
<p>Negotiate payment dates, interest rates, late fees — even a credit limit increase, if you have good credit and need a short-term increase in spending ability in the wake of the emergency. Talk about whether the issuer will report nonpayment to the credit bureaus.</p>
<p>During the call, document details of the conversation, noting dates, dollar amounts and whom you spoke to.</p>
<div class="panel panel-default">
<div class="panel-heading">
<h3 class="panel-title">Nerd tip</h3>
</div>
<div class="panel-body">Get copies of your favorable credit reports and scores before your credit worsens as proof of a “normal” baseline. Get a copy of your credit reports for free at AnnualCreditReport.com. Pull your credit scores, potentially available through your bank or credit card issuer. Or get a score for <a href="https://www.nerdwallet.com/home/dashboard/credit-score"><span style="font-weight: 400;">free on NerdWallet</span></a><span style="font-weight: 400;">.</span></div>
</div>
<h3>&#8216;The earlier the better&#8217;</h3>
<p>When emergency strikes and you&#8217;re in danger of not paying credit card bills, communication is key.</p>
<p>“You should negotiate if it looks like you&#8217;re going to be unable to make those credit card payments,” Golden says. “The earlier the better.”</p>
<p><strong>More on paying credit card bills</strong></p>
<ul>
<li><a href="https://www.nerdwallet.com/blog/finance/how-not-to-pay-your-bills/">How to pay bills when you can’t pay your bills</a></li>
<li><a href="https://www.nerdwallet.com/blog/credit-cards/minimum-payment-credit-card/">What happens if I make only the minimum payment on my credit card?<br />
</a></li>
<li><a href="https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/">How long until a late payment hits my credit report? </a></li>
</ul>
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.zero-percent-credit-cards-icon{background-image:url('data:image/svg+xml;charset=US-ASCII,%3C%3Fxml%20version%3D%221.0%22%20encoding%3D%22utf-8%22%3F%3E%0D%0A%3C%21--%20Generator%3A%20Adobe%20Illustrator%2018.1.1%2C%20SVG%20Export%20Plug-In%20.%20SVG%20Version%3A%206.00%20Build%200%29%20%20--%3E%0D%0A%3C%21DOCTYPE%20svg%20PUBLIC%20%22-//W3C//DTD%20SVG%201.1//EN%22%20%22http%3A//www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd%22%3E%0D%0A%3Csvg%20version%3D%221.1%22%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20xmlns%3Axlink%3D%22http%3A//www.w3.org/1999/xlink%22%20x%3D%220px%22%20y%3D%220px%22%0D%0A%09%20viewBox%3D%220%200%2052.4%2052.4%22%20enable-background%3D%22new%200%200%2052.4%2052.4%22%20xml%3Aspace%3D%22preserve%22%3E%0D%0A%3Cg%20id%3D%22background%22%3E%0D%0A%3C/g%3E%0D%0A%3Cg%20id%3D%22Layer_1%22%3E%0D%0A%09%3Cg%3E%0D%0A%09%09%3Cg%20opacity%3D%220.4%22%3E%0D%0A%09%09%09%3Ccircle%20fill%3D%22%23FFFFFF%22%20cx%3D%2241.6%22%20cy%3D%2242.5%22%20r%3D%222.5%22/%3E%0D%0A%09%09%3C/g%3E%0D%0A%09%09%0D%0A%09%09%09%3Crect%20x%3D%2235.7%22%20y%3D%2231.6%22%20transform%3D%22matrix%280.7943%200.6076%20-0.6076%200.7943%2031.4019%20-14.5896%29%22%20opacity%3D%220.4%22%20fill%3D%22%23FFFFFF%22%20width%3D%223%22%20height%3D%2215%22/%3E%0D%0A%09%09%3Ccircle%20opacity%3D%220.4%22%20fill%3D%22%23FFFFFF%22%20cx%3D%2232.6%22%20cy%3D%2235.6%22%20r%3D%222.5%22/%3E%0D%0A%09%09%3Cg%3E%0D%0A%09%09%09%3Cpath%20fill%3D%22%23FFFFFF%22%20d%3D%22M28.1%2C39.1c-1.6%2C2.1-4%2C3.4-7.2%2C3.4c-3.3%2C0-5.8-1.4-7.3-3.6l4.8-6.7v-5.6l-6.3%2C8.8c-0.3-0.7-0.4-2-0.4-3.2%0D%0A%09%09%09%09V19.7c0-5.7%2C3.2-10.2%2C9.3-10.2c3.4%2C0%2C5.8%2C1.5%2C7.4%2C3.5l-4.8%2C6.8v5.4l6.3-8.8c0.3%2C1%2C0.4%2C2.2%2C0.4%2C3.3v11c0.4-0.2%2C0.9-0.4%2C1.4-0.4%0D%0A%09%09%09%09c0.3-0.1%2C0.6-0.1%2C0.9-0.1c0.4%2C0%2C0.8%2C0.1%2C1.2%2C0.1v-11c0-7.5-5.2-12.9-12.7-12.9c-7.5%2C0-12.7%2C5.4-12.7%2C12.9v13.3%0D%0A%09%09%09%09c0%2C7.6%2C5.2%2C12.9%2C12.7%2C12.9c4.2%2C0%2C7.7-1.7%2C10-4.5C29.8%2C40.7%2C28.8%2C40%2C28.1%2C39.1z%22/%3E%0D%0A%09%09%3C/g%3E%0D%0A%09%3C/g%3E%0D%0A%3C/g%3E%0D%0A%3C/svg%3E%0D%0A');background-repeat:no-repeat}.introduction{padding-bottom:80px}.category-list-container{margin:-40px 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top,from(#06aea7),to(#21b38c));background:-webkit-linear-gradient(left,#06aea7,#21b38c);background:linear-gradient(to right,#06aea7,#21b38c);border:0}.btn-category:link:active,.btn-category:visited:active{background:-webkit-gradient(linear,left top,right top,from(#048880),to(#198c6c));background:-webkit-linear-gradient(left,#048880,#198c6c);background:linear-gradient(to right,#048880,#198c6c)}@media all and (min-width:768px){.category-list-container{margin:-40px auto 0;width:744px}.category-list li{width:25%}}
</style>


    <ul class="category-list">
            <li>
                <a href="/rewards-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon rewards-credit-cards-icon"></span>
                        <span>Rewards</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/cash-rewards-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon cash-rewards-credit-cards-icon"></span>
                        <span>Cash Back</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/balance-transfer-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon balance-transfer-credit-cards-icon"></span>
                        <span>Balance Transfer</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/travel-miles-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon travel-miles-credit-cards-icon"></span>
                        <span>Travel</span>
                    </div>
                </a>
            </li>

            <li>
                <a href="/zero-percent-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon zero-percent-credit-cards-icon"></span>
                        <span>Zero Percent</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/student-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon student-credit-cards-icon"></span>
                        <span>Student</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/business-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon business-credit-cards-icon"></span>
                        <span>Business</span>
                    </div>
                </a>
            </li>
            <li>
                <a href="/low-interest-credit-cards/?ccrecs&globalrecs" class="btn btn-category">
                    <div class="label-container">
                        <span class="icon low-interest-credit-cards-icon"></span>
                        <span>Low Interest</span>
                    </div>
                </a>
            </li>
    </ul>
</div>
</div>
<a href="/home/register?flow=credit-score&#038;redirect_uri=%2Fhome%2Fdashboard%2Fcredit-score%2Fgoal-and-tips%27&#038;trk_location=nw_auth_link&#038;trk_element=hyperlink&#038;trk_copy=Register&#038;trk_vertical=Credit%20Cards&#038;trk_topic=Credit%20Card%20Basics&#038;trk_pagetype=article&#038;trk_nldt=learn" title="" target="_self" class="nw-link nw-auth-link" rel="" data-auth-mode="modal" data-auth-flow="credit-score" data-auth-type="register" data-auth-redirect="/home/dashboard/credit-score/goal-and-tips&#039;" data-auth-element="hyperlink" data-auth-location="nw_auth_link" data-auth-copy="Register" data-auth-slide-output-1="1" data-auth-slide-output-2="1" data-auth-slide-output-3="1" data-nw-component-type-name="Link" data-nw-component-type-slug="nw_link" data-nw-parent-component-type-name="Auth Link" data-nw-parent-component-type-slug="nw_auth_link" data-nw-track-click="1" data-nw-track-impression="1"><img src="https://assets.nerdwallet.com/blog/wp-content/uploads/2017/01/cs-ad-1-png.png" alt="cs-ad-1-png" class="aligncenter size-bb-article wp-image-352298" /></a>

</div></div>
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</article>


				
				
				
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			<aside id="nw-secondary" class="nw-sidebar" role="complementary">

    
    <aside id="black-studio-tinymce-25" class="widget list-group-item widget_black_studio_tinymce"><h5>Find the best credit card</h5><div class="textwidget"><ul>
<li><a href="https://www.nerdwallet.com/the-best-credit-cards?trk=nw_cc_sideBar_bestCreditCards">The best credit cards of 2018</a></li>
<li><a href="https://www.nerdwallet.com/recommend?trk=nw_cc_sideBar_recommend">Find your match</a></li>
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<h6><strong>Save money on interest and fees</strong></h6>
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<li><a href="https://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-balance-transfer-credit-cards/?trk=nw_cc_sideBar_bestBalanceTransfer">Best balance transfer cards</a></li>
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<h6><strong>Build or establish credit</strong></h6>
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</ul>
<h6><strong>Earn rewards</strong></h6>
<ul>
<li><a href="https://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-cash-back-credit-cards/?trk=nw_cc_sideBar_bestCashBack">Best cash back credit cards</a></li>
<li><a href="https://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-travel-credit-cards/?trk=nw_cc_sideBar_bestTravel">Best travel credit cards</a></li>
</ul>
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