<prompt> Human: Long story short I lost my job. I had enough in savings for 2 months of rent and essential bills. Finally got a good job but the money wont be coming in until a few weeks and all 4 of my credit cards are due next week. There is no possible way to pay any of the minimums as I barely can eat right now. I know its a shitty situation thats completely my fault, but Id really hate these missed payments to ruin my credit. Do you think my credit score will take a big hit? When will the missed payments fall off of my report? Thanks for the info.  <response>: Yes they will if not paid after 30 days of the closing.Please call each of them and explain that you recently lost your job and cannot afford the minimum payment. You are not the first and the CSRs are well trained to deal with hardship. However they cannot do anything unless you CALL and let them know what is going on. 