How to pay your bills without killing your credit

Americans ownb 950 billion dollars in credit cards debt last year according to the Federal Reserve , we own even more this year and credit cards default are expected to go up ten percent this year...so how should you cope with the bills in this hard economy without killing your credit rating? it can be hard to decid which bill to pay first , credit adviser have some great advices on how to stay afloat without killing your credit : if you are drowning in debt living check to check , you have a big debt to credit cards companies and you do not know which bills to pay first , your utilities bills cable bill phone bill ? credit counsellors say , you should not pay your credit card first , your number one priority is to pay your mortgage or rent ,even if the credit cards company keep calling , your second priority are Utilities because getting disconnected will cost you more money on the long run , because utilities companies often hit you with penalties pricy deposits and connection fees when they restore your service , Your Third priority is to make your car payment especially if that's how you get to work , but never ignore your credit cards creditors and especially do not make empty promises , try to workout an arrangement but remember do not ever give your creditors your bank account information , they will be more than happy to empty it ...you need decipline in order to rebuild your credit