How to become part of this Urban Poor???

Common causes of indebtedness
1) Gambling - need borrow money from loan sharks, credit lines, friends, etc.
2) Careless Spending - Shopping, Cars, holidays beyond the size of their pocket
3) Bad Investment decisions - Failed businesses, declined property prices, etc
4) Loans to friends and relatives - Act as guarantors at times
5) Change of job and Income - Lower income, lesser OTs, etc
6) Too many responsibilities - Aging parents, Medical expenses, without adequate insurance, etc

How to solve credit card problem yourself?
1) Stop using all credit facilities
2) Pay on time - each late payment around $30-$80 per creditors
3) Pay the most to the most expensive facilities
4) Pay the most to the one with the lowest Outstanding amt. Try clear some first.
5) Pay more than the minimum sum everytime