There are several strategies to manage credit cards while you're going through mental health struggles.
One of the strategies is to control your spending. Having a budget and keeping track of spending helps.
Several mental health conditions can manifest in overspending. Credit cards make it easy to do so.
Another strategy is to prioritize your mental health while improving your credit situation. Seek help if needed.
If you are finding it difficult to deal with your debts, tell your creditors that you are experiencing mental health issues.
Telling your creditors about your mental health issues can help you with your negotiations and get you some leniency.
Distance yourself from your credit cards. Give them to a responsible family member so you are not tempted to spend.
Focus on paying your balance and ensuring you don't miss payments. Keep your utilization low to avoid high interest.
You can seek counseling services that are free or at a low cost to help you deal with debt collectors and bankruptcy.