This is a big danger sign with your credit cards.
You are going along paying your bills just fine. Then some unexpected expsense comes up. You need the credit card to pay another credit card. The second this happens you need to take proactive measures. Start the process of paying down your debts. You say you can not afford to do that. Then do what I am pursuing. Look for a part time job to pay off those debts to pay down the debts.
If I would of done this a lot earlier, things would not of been so bad right now. I am glad some things are getting closer to being paid off.