When money is tight, one of the crucial decisions you have to make is which credit cards payments you're going to make. You know the consequences of missing credit card payments, so how do you manage when you have to split up $150 among 5 different credit cards? For one, you should at least make the minimum payment on all your credit card accounts. If you fall behind on just one payment, it'll be harder to get caught up again. For more help prioritizing your credit card payments see Five Principles of Making Credit Card Payments.
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Seems obvious right? But a lot of people do it the wrong way.