Thats the basic principle of the american credit card system. Instead of you paying your bills, the bank is paying your bills - and you have to give them that money back, plus the interest. So once you are owing them money, you never get out of that cycle again.
But cryptos dont change anything in that - if you are broke, you are broke. Or what do you suggest? Buying cryptos with your credit card? The first step out of the mess must be to actually have some money after your debt is payed. Any kind of money.