If you can't keep up with repayments on a credit card or loan (including a home loan), talk with your credit provider as soon as possible. (moneysmart.gov.au)
Some cards will come with the opportunity to achieve rewards if you are able to keep up with your repayments as an added incentive. (moneyexpert.com)
Ideally, you will keep up with repayments with all your creditors. (usstudentloancenter.org)