It is a good thing if you have a credit card. But that is my personal opinion only. Knowing that you have "money to spend" while holding that piece of plastic can be tempting, specially if you have no cash on hand and you need to pay someone right away. Using the credit card can really get you off tight spots, but if you don't know when to stop using it, then you will be trapped on that tight spot. When that happens, then it is a sign that you need help. Badly. Getting help is the only option, since if not, your dues will continue to raise because of the interest that it's accumulating while you still can't pay your principal credit card debt.
It's a good thing there are sites now that can help those who are in tight spots, like Credit Card Debt Help as well as Credit Card Debt Consolidation. They can help you with credit cards, unsecured loans, medical bills, unsecured personal loans, unsecured personal lines of credit, and collections, like in autos in repossession. They can't help, though with the following: lawsuits (IRS debts/taxes), utility bills or auto loans, government loans, student loans, secured debts, and home loans (mortgages).
So if you think that they can help you with your credit card debt, then go and check them out!