There are plenty of people who have to face that they are unable to pay their credit card bills. The number of people unable to pay their bills should tell you that this isn't anything that you need to feel ashamed about. It is understandable that you might feel ashamed if this is the first time that you have encountered this situation. Here are a few suggestions you might consider if your credit card bill is due and you aren't sure about how to pay it:

-The first thing you should do if you are truly strapped for money and have no way of paying your credit card bill is to call the credit company and ask if you might be allowed to pay a lower payment for that month. If your account has been in good standing up until this point, most creditors will be happy to work with you. If, however, your repayment has been hit and miss, you might have to figure out how to come up with some quick cash.

-Take a look at what you are currently spending and ask yourself if there might be something you can live without for the next month or so and then put that money toward your credit card balance instead. A good example of this is buying generic brands of groceries instead of name brands.

-Can you sell anything? A lot of people have found rummage sales and eBay to be fantastic ways of finding some cash when the credit card bill comes due. Take a look around you. There are probably a few things lying around the house that you can list on an auction site or put out for sale. You may have to be creative, but it can be done.

-Can any of your friends afford to give you a short term loan? Asking one friend for enough money to cover your bill might not go over so well, but you should think of asking a few of them for smaller amounts. If you use this method you need to make sure that repaying your debts to your friends is your top priority!

-Decide upon a budget for your home. If money has gotten to tight that you can't afford to pay your credit card bill, it is time to take a hard look at your spending habits. There are most likely a few places from which you can squeeze funds or tighten your belt. Your credit rating is always more important than eating out four nights a week!

These are just five ideas to use when your credit card bill is due and you discover that you can't pay it. You'll probably be able to think of many more ways to come up with money and rescue your credit score!