I really need help paying my credit card off. But I have no money

Then you shouldn't be using a credit card. Cut it up, throw it away, get a job, pay it back.

Depending where you live there might be non profit organisations that could intervene and get your interest rate lowered, look for debt counselors in the yellow pages. But yes, don't use it anymore until you have a higher paying job if you were having trouble making the payments.

As mentioned, if you don't have money, you are not suppose to be using a credit card, Esp if you have used it after you knew you could not be paying.


But first cut the card up, don't use it again.

Next get a second job, delivery pizza, fixing hambers at a fast food place, and pay your credit card bills