Everyone is giving good advice, but one thing I may have missed from other posters is as follows... Know when your CC is posting its monthly update and reports to the credit bureau, if its say the 5th of every month, pay off as much as you can to bring down your Debt To Income ratio. Let your score reflect the lower balance and you're good for the next month. Since you're having trouble keeping up with the payments, sounds like something is going to have to be sacrificed until it gets under control. This is one of the hardest parts of getting out of debt, btw... make a budget and figure out where you're truly letting your money go down the drain. I hate missing out on a cup of coffee in the morning, but every cup of Joe added up, create and stick to your budget, I can now successfully budget my coffee into my monthly expenses. Also base your total expenditures to 80% of you gross income instead of 100% of your gross income and build an emergency fund. Always remember there are two types of interest, the interest you earn and the interest you pay. Get to earning your interest.
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