It is really important to be credit worthy as all your future lending are based on the same and banks only give you money if you are capable of paying back. If you were unable to pay your credit card bills on time that will effect your credit score and in future banks will not lend you money.
I am a banker and here to help you out on how to manage all your credit card in order to remain credit worthy. And don't worry if you are already in trouble then also don't hesitate to ask me as I might help you come out of situation.
I can chat here on Fiverr or at Skype (voice). All your details will remain highly confidential.
So don't grin on your own and seek expert help and be relaxed.