:? I have just graduated college and I have major credit card debt with Capital One and American Express. Currently I am working 2 jobs, trying to pay them off, however I have not made a payment since April and I do not know where to start. Creditors have already been contacting me and I'm stressed about it. I really jsut want to clear this up! I had an Express Card that I paid off last month but that was the smaller of the 3.