I maxed out 3 of my credit cards I need financial advice. I maxed out 3 of my credit cards, and have about 40k in credit card debt. (I was unemployed for a while). I now take home $3k a month after rent and utilities. I can afford to pay the minimum payments but that’s it, and I know all this debt is lowering my credit score because of credit utilization. I get a $40k bonus in…