<prompt> Human: The minimum payment continues to climb to an unrealistic number while also charging a late fee each month. The most recent charge was around 450 and my rent is 650. Unfortunately I am working only 15-20 hours a week because the job is seasonal. I am looking for another job in the meantime. Currently working minimum wage 9.25 combined with low hours seems impossible to make a dent on the CC. I am lucky enough that my gf is able to pay for the utilities and help me out by spotting me the difference to pay the CC 75-100 depending on the bi-weekly work checks. Even if I paid 200 bucks at this moment I would still get charged a late fee because it wasnt a payment of 450. This just continues to climb and it seems like the chunk of the payment I make each month goes to last months late fee. I took a look around the Debt section but I did not see anything involved with how to work with a CC company that has this particular situation.  <response>: You bought too much and did not live on less than you make. Now you are paying the price. This is not the banks fault. The minimum payment is based on the amount that you have borrowed which sounds like a significant amount. You need to get more hours and work more. You should be working 60 hours a week until you pay off the credit card debt. You can try to work with them to lower the interest rate but your best shot at a solution is working and working preferably at a more than minimum wage job. 