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How To Manage Credit Card Costs

Contact The Credit Card Company Ahead Of Time If You Have To Miss A Payment

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If you're having a crunch and can't pay the minimum due on a credit card, call the credit card company immediately -- preferably before the payment is due.

Let the company know about your medical condition and how it's causing the crunch. Perhaps ask for a reduction in your monthly payments, and a waiver of any penalties for this late payment -- particularly if you've been making past payments on time. You may be able to get away with one late payment if you call ahead of time. If so, ask if the company will report it to the credit bureaus as paying on time.

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