There are some indicators that enable you to identify whether or not you are in a poor financial condition. The earlier you realize about your worsening financial condition, the easier it will be for you to recover. If you are not able to make more than your minimum monthly payments on your credit card balances, sense that you are in trouble.
Any of your credit card balances approaching the maximum limit means that you need to do something to repair your financial condition. The case is the same if you are using credit cards more than earlier to pay for your regular monthly expenses like current or electric bill. You need to be careful if unsecured debts eat up a considerable part of your income.