<prompt> Human: Fuck automatic payments.This one cable bill caused me to overdraft my account, and for the past six weeks have been my check going down the drain paying for the overdraft fees, now Im over a month late with my credit card bills 5 and the minimum payments shot up from above 100 each...Ive been avoiding the calls and my credit score is tanking what do I do?Sorry if this doesnt make sense.  <response>: CALL THE CREDIT CARD COMPANIES NOW. Explain dont bullshit-theyve heard it all before and ask them to cancel the late fees sometimes this works-Ive done it and gotten great responses from Discover, Visamastercard were hit-and-miss. Ask them to drop your interest rate and minimum, and then religiously make payments. Talk to your bank as well, asking them to reverse the late fees. Again, that will be hit-or-miss but you never lose out by asking. 