When you can’t make your credit card payment, things can get overwhelming fast. But you have to take action right away to minimize the damage to your credit, it’ll only get worse if you ignore it! Where do you start? Call your lender–explain the situation and discuss your options. If you have a good payment history, you might be able to work out a payment plan. It also may help you avoid collection calls. And don’t be afraid—or embarrassed—to ask for help. A nonprofit debt counseling service can help you turn your financial troubles around.