 TITLE: Is It More Important to Pay My Business Credit Card or My Personal Card? CONTENT: What to Do if You Are Struggling to Pay Both\n--------------------------------------------\nIt's best to keep both business and personal credit cards in good standing if possible. Your first step is to determine if you can meet the payments by constructing a budget, then paring down spending or increasing income until you can bridge the shortfall. Try to stretch yourself so you can cover at least the minimum payments.\nStill no way to satisfy your cards' respective payments? Call your credit card issuers and ask for help. You may be able to make lower or no payments for a few months so you can get back on your feet without any problems. If one issuer allows you to suspend payments without any negative effects, you can concentrate on another card that doesn't offer the same break.\nTake a look at your finances beyond your credit cards and see where cutbacks can provide some extra funds. Remember, you don't need to completely pay off your credit card bill to avoid consequences; making even the minimum payment is enough to satisfy credit card issuers. If you still need to decide on paying one card over the other, consider the consequences.\nIf the account is jointly held and someone else will suffer if the account isn't paid as agreed, be sure to notify that person before it goes delinquent. They may be willing to step in and make the payments when you can't.\nIf you find yourself overwhelmed with credit card debt and none of the above measures are helping, try getting assistance from a professional. Credit counseling agencies exist to help stressed-out borrowers. A credit counselor can create a payment plan to help you stay on your feet while also paying your bills. END