Credit card debt forgiveness in 2026 — who qualifies, how issuer relief programs work, credit score impact, and key risks borrowers should understand

Credit card debt relief is gaining attention as balances cross $1.1 trillion and interest rates stay above 21%. In 2026, select Americans may qualify for debt forgiveness through issuer programs. Eligibility depends on hardship, delinquency, and negotiation. Settlements, tax impacts, and credit risks matter. With economic uncertainty rising, informed borrowers are exploring relief paths carefully.