If you have two cars and a single individual it is wise to sell one of the cars and apply the balance toward the bills. 

You can see from this deduction that more money is needed to survive. 

Why are you paying $400 for rent when there are many sources available that offer you rent for less? 

Now let's turn this around. 

What if you successfully rented a low-income apartment? 

Let's say that your amount is reduced to $200 per month. This leaves you an extra $200 per month to pay utilities, buy groceries, pay insurance on one car, pay your phone bill, and have a  couple of bucks left over each month. This is one solution and it doesn't bring forth much, but it does bring forth a small reward. Now if you can reduce your utilities to around $100 per month that is another $50 you could spend on bills. If your credit history is delinquent, yet you are not swarming in quicksand you might be eligible for a credit card. 

The solution is not to get the card to buy items, rather it is to get a card that will help you make your monthly bills and allow you room to repay. Make sure the card has low interest rates and there are no annual fees attached. If you can get by without a credit card at all it will be better, but the fact is it is nearly impossible now to go without a credit card. If you can get a job that pays more for your work then this is helpful too. 

The downside is when people get better paying jobs that often take it for granted and land deeper in debt. The more money you make the more you will spend.