Most credit card debt experts agree that once someone’s monthly debt payments exceed 20% of their take home income it is most likely a time to consider getting outside help or assistance. There are various debt programs available depending on the magnitude of the problem. The two leading solutions for credit card help are debt settlement and credit counseling.

You are taking out cash advances to pay for your other credit card bills - This is the fastest way to get in over your head. Not only are you taking out more debt to pay off other debts ("Robbing Peter to Pay Paul"), but you are doing so at higher interest and with fees tacked on.