Falling behind in credit card payments

Since I’ve been in maternity leave I have been struggling to make all of my payments on time. Today my credit card company phoned and asked me why I was struggling. I let them know but told them once I receive my tax return I might be okay. The lady told me that if I receive it and am still struggling then they can negotiate on something so that I can manage until going back to work. I wish I would have just taken her up on her offer right then and there rather than saying I was going to try to make it work. Because let’s be realistic. I highly doubt I’ll be able to stay on top of my bills until I’m back at work making my full pay again.

Just out of curiosity what would credit card companies do to help? Has anyone ever had experience with a credit card company offering to make something work? I’m with MBNA if that helps at all.