Helpwithmycredit.org 1-866-941-1090 Help for consumers having trouble making payments on their credit cards it covers Capital One, Citi Bank, Bank of America and Discover in cooperation with MasterCard. If you use credit counseling be sure to: 1. Make sure that the credit card company accepted the CCCS offer. 2. Make sure the CCCS is going to pay before the credit card due date. Otherwise you have to call the credit card company to change the due date. 3. Credit counseling notation will be added to credit report, but will be removed upon completion of the program. 4. Consumer will be unable to obtain new credit while in the program.