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For small business and personal credit card customers experiencing hardship related to COVID-19, KeyBank will offer a payment deferral for three (3) billing cycles of your regularly scheduled monthly payments. Please note that the deferral does not stop interest from accruing, but that late fees will be suspended.

What is a payment deferral?

With a payment deferral, you won’t have to make a payment until your deferral period ends. Although you will not be required to make a minimum payment during your deferral period, your account principal balance will not decrease, and interest will continue to accrue. As a result, your next regularly scheduled payment after the deferral period ends may be higher than your regular monthly payment amount prior to the deferral period.

What is the impact to my credit report if I elect to receive a payment deferral?

If you are current at the time you elect to receive a payment deferral, we will not report your account as delinquent as a result of your payment deferral.

How can I request payment relief?

In order to request a payment deferral of your regularly scheduled payments, which will include principal and interest, please complete the form below. If you are currently receiving a three-month deferral and require a three-month extension, you may also submit this form to make this request. For assistance required after a deferral extension, please contact us at 1-866-425-3449 to discuss your options.

By submitting the form below, you hereby certify that you are experiencing a financial hardship due, directly or indirectly, to the COVID-19 emergency and you are requesting a three billing cycle payment deferral for your credit card account, and for any additional payments necessary in order to cure an existing delinquency. If approved, your obligation to make monthly payments will be suspended for three months, with regular monthly payments resuming thereafter. You understand and agree that during the deferral period, the principal balance will not decrease, and interest will continue to accrue. As a result, your next payment due may be substantially larger than your regular monthly payment amount, and your finance charges paid may be greater than you originally anticipated. If you follow the terms of the plan as stated above, your loan will be current at the end of the plan; however, we will continue to work with you in order to attempt to resolve any remaining issue if you are still experiencing a hardship. During the deferral period, you may continue to receive your periodic statement, and those statements may reflect the contract amount as the Minimum Payment Due. The contract amount due may also continue to be reflected in online banking. You do not need to pay that amount.

For the fastest possible response, it's important that we have the full accurate information we request on this form. We use information like your full account number to locate your account. In some instances, we may need to contact you for additional information. So, make sure to provide the email and phone number that are best to reach you.

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