If you are faced with a situation of huge monthly bills and don't have money to pay back the debts. Like many people you decide to forgo one bill or the other, but which one do you skip. Many people are likely to miss the credit card bill. Missing a credit card bill might not look a big deal to you, but your creditors don't see a missed charge card payments the same way. They continue to make attempts to recover all the money, with a high late fee charge.