Your credit card statement will contain a number that you can call if you're experiencing financial trouble.Or, you can reach out to the National Foundation for Credit Counseling to find a credit counseling agency in your area.

If you find that you're consistently having trouble making your minimum payments, consider credit counseling.

A credit counselor can help you figure out how to restructure your budget or negotiate lower monthly payments with your creditor.

Worse, the penalty rate may apply to new balances indefinitely.

Avoid falling for the "one dollar minimum payment myth" that suggests you can send something less than your minimum payment to meet your monthly payment obligation.

If you don't have time to come up with the cash for your minimum payment, call your card issuer and explain the situation.

Let them know it's a one-time occurrence and let them know when you'll be able to make your next payment.

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