<prompt> Human: I cant pay one of them because of lack of bank account. Should I even bother with the other one or will my credit be affected to the same extent regardless ?The one I am paying has a higher limit and I owe more. I live in Texas.Edit: so I can use a family members account with the condition that I fill their gas tank every Friday for the amount that I am gonna give.  <response>: Pay the minimum on both, assuming you can afford to. And if you cant, quit spending money. In fact, until you can afford to pay your cards in full every month, quit spending money. 