It's going to be difficult for me to do a post on how to cope with maxing out credit cards, because the odds are, if you've reached this point, you're in desperate lifestyle change. In fact, for most people, maxing out a credit card can be a sign that it is time to change your life's spending habits by either increasing your income or decreasing the amount of money that you spend.
But sometimes, life happens. Your car could break, your spouse could lose a job, and you could have to put food on the table for your family. Sometimes, you have to make do with a less-than-idea situation, and you have to figure out what to do if you're maxed out.
If your maxed out on your cards, you could try and open up another one. This is not something I would recommend, but, if you are still making your monthly payments on your other credit cards, you should be able to find another credit card issuer that will open an account for you if need be.
You could also call your bank and ask that they raise your credit limit. If you're already maxed out, the odds are decent that the bank will say no, but if you can provide a compelling reason for why you would need a credit increase, then you'll most likely get it. Especially if you make your payments to the bank on time, you might be able to do this.
These are only short-term solutions to a larger problem at hand. If you find yourself in the situation of having to increase your debt each month, that means every four weeks, you are getting further behind. This is not a good way to live. At that point, you should take a serious look at trimming your expenditures, or if possible, increasing your income.
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