Kind donations needed

the care credit card added a 500 dollar charge because i didn’t pay something on time.. need to pay off this balance asap so it doesn’t happen again..

I simply can’t afford to pay this on top of daily living. The interest rates charge a fortune, and in the long run, would be paying far greater than 4k.

I can’t transfer the credit card balance to a new credit card to reduce the interest rate, monthly paying $345 a month. On top of $350 car payments and rent, medical bills, pet bills, behind with IRS bills.. etc.

Praying to get my $350/mo car paid off asap, had too many negative experience with lemon cars breaking down, stalling/ failing, or needing replacement parts. Far more worth it to get a reliable car to get me from point a to point b without worrying.