Should I just not pay my credit card debts?I am not going to go all moral on you, that's just senseless. Giving away loans is calculated business risk, and sometimes the lenders miscalculate. It's obvious that the credit card companies truly made a bad decision when they let you borrow from them. So, when you stop paying them, they will send your accounts into collections, and then if you don't pay, they may try obtain judgement against you and garnish your wages. Whether they will be able to do so depends on the amount you owe and how recoverable the money is, i.e. your earnings. The fact that you owe a large amount makes it more likely that you get sued, and the fact that you make little makes it less likely they will sue. I would also suggest that you have a bank account in good standing at all times since sending a credit card debt into collection will likely put you into the chex system, and thus you won't be able to open one. Also, having a judgement against you will probably reduce your chances to getting some jobs that deal with money, especially cash - those are not necessarily good salaried jobs.
P.S. Lending to people like you who can barely pay is more profitable for the banks than lending to people like me, who pay their bill in full on time every time (it's on autopay, actually). I pay no fees and collect the benefits like additional insurance and points. I am actually quite terrible at maxing points, since those are of little value to me.