A hardship is a difficult or challenging financial situation that makes it difficult for you to pay your bills. Credit card companies may offer hardship programs to help you get through tough financial times. These programs may include reduced interest rates, lower minimum payments, or temporary suspensions of payments.

There are several things that credit card companies may consider when evaluating whether you qualify for a hardship program. These may include:

1. Your income: Credit card companies may consider your current income and whether it is sufficient to cover your expenses, including your credit card payments.

2. Your expenses: Credit card companies may consider your other expenses, such as rent or mortgage payments, utilities, and other debts, to determine whether you have sufficient funds to pay your credit card bills.

3. Your assets: Credit card companies may consider the value of your assets, such as your home or other property, to determine whether you have the ability to pay your credit card bills.

4. Your credit history: Credit card companies may consider your credit history, including your payment history and credit scores, when evaluating your hardship request.

5. Your circumstances: Credit card companies may consider any special circumstances that may be contributing to your financial hardship, such as a medical emergency or loss of employment.