Request a compassionate waiver

What is a compassionate waiver?

This is where a company agrees that you don’t have to pay them back, because they understand that you have experienced difficult circumstances.

Why might a credit card company offer you a compassionate waiver?

A credit card company might agree to a compassionate waiver for a number of different reasons.

For example:

  • because you have experienced family violence
  • because you are in financial hardship and are caring for children or other family members
  • because you have experienced serious health issues or have a disability and this has impacted your ability to repay the debt
  • because you have paid a lot of money back to the credit card company over the years and are currently experiencing financial hardship

The Credit Card Debt Assistance Tool will help you request a compassionate waiver

This tool will:

  • Ask you some questions about your credit card debt and your general situation
  • Ask you if you have experienced any particular circumstances that are commonly used as grounds to request a compassionate waiver
  • Generate a letter that you can send to your credit card company / debt collector, asking them to waive your credit card debt on compassionate grounds
  • Send you an email with a link to the letter and some other information to help you send the letter

If you would like to speak to an financial counsellor about requesting a compassionate waiver, you can call 1800 007 007.

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