HELP! I'm struggling to keep up with my credit card payments

Get a credit card with 0% interest introduction period. Transfer all your debt to it. Pay down as much as possible till the end of the intro period. Then do it again with another card. Continue this till the debt is eliminated. You may have to pay a one time transfer fee but 3% one time is much better than what’s going on now and you will start to make real progress. It worked for me and my credit score is around 800 and I eleininated all my debt.

Credit for a vehicle

You have to work an 2nd job for the next 2 years and only use that overnight job to pay your bills. It will.be hard but that the only way to pay down your debit.

You can cut your cards up, but don’t close the accounts. Part of your credit score is calculated using your length of credit history. Closing them will hurt your credit score.

Stop using your credit card! You are spending beyond your means if you keep adding to the balance and cannot pay off what you purchased. Start using cash instead.

First thing: cut non-necessities for at least 6 months. Movies, new clothes, going out to dinner or eating fast food, COFFEE from coffee shops - all of it. No fun times until you’re out from under the weight.
Second thing: determine your discretionary funds - everything you have left after paying necessities like rent, insurance, utilities, groceries(that’s groceries, not “food” since food is a broad and expensive category) . Give yourself an emergency buffer, something that can help cover emergency repair costs or transportation to work. $250 - $500 would be my bet. The rest goes directly to your credit debt.
Second thing, the first: of you have multiple credit lines, inquire with your bank about a consolidation credit line, to take what could be multiple interest rates and “consolidate” them into one. As long as the consolidation line of credit’s interest rate is t higher than your highest credit line, it’s a good deal.

Third thing: your support network. You have coworkers, supervisors, friends and family who want you to do well, for many reasons. Communicating honestly with your employer about these things could open resources to you like credit counseling to lower your rates, or coordinating a carpool to reduce your transportation costs. Friends and family could help fill the entertainment gap with less expensive alternatives. This is going to help take the social pressure off; plus, if they know you’re actively pulling yourself out of debt, they’ll want to help!

1) Don’t spend anymore on any card.
2) Consolidate all your debt with your bank (watch for interest rates spike)
3) If you will need a card to survive, and have no savings or anything, which I assume you don’t based on the fact you’re in this situation, transfer your balance into a card with O% transfer.
4) All extra money, tips, a dollar, or $1M or what have you, pay down your bad debt (credit card).
5) live below your means. 99.9% of people are doing what you’re doing and it will catch up to them. Live well below your means and make the sacrifices now to repair your credit, minimize your debts and only spend what you can afford. Do some self searching. Mind you, what you can afford does not equate to how much you make or have saved, what you can afford is after bills, after savings deposits, after debt repayment.
6) Never buy a new car unless it is to built credit for a larger investment purchase such as a house or commercial property, even then I would caution against it.
7) Research how to build a passive income and stop working for earned income (indentured servitude and enslavement). The future is yours. Don’t be discouraged, you can make it happen.
😎 If you apply for a card in the future, make sure the interest rate is $0%. If it is not, make sure that you don’t use your credit card. Instead, use your debit card. Credit Card limit is not your money and this should not be spent like it is yours. If you can’t pay it with your money you can’t afford it on a credit card. Stop trying to be someone you are not. That is unsustainable and you will become wealthier with a mindset that does not promote senseless spending. Frugality is key. Do your research, pay the debt, learn to use debt to your advantage and prosper. Everything will be okay.

I would suggest transfering your balances to a nother card with a promotional 0% apr. Usually you can find some that offer 12-18 months no interest that will help you lower the high balances down drastically. I had an Amex card, high balance, transferred to 0% for 15 months card, lowered it even lower, then the remaining balance tranferred to another 0% for 12 months and was able to clear it. I think the 3% fee was reasonable enough to tranfer for the promo apr. Also look at credit unions. My credit union offers 0% apr for 12 billing cycles, $0 cash advance and $0 balance transfer fee. Hope it helps and good luck.