The first of the month is right around on the corner and rent is due. You barely have enough cash to pay your landlord and still go pick up groceries for the week. But, you have a credit card. It won't hurt to use it this one time to buy food to get you through to your next paycheck. Unfortunately, past due notices are already stacking up from the other credit card you maxed out three months ago, in addition to the ones for your car loan. With constant calls from creditors and the threat of repossession, you may be wondering what to do.