Someone correct me if I am wrong but I believe that most (if not all) credit cards now carry a provision in the agreement which states that if the cardholder is late on any payment (other cards, mortgage, phone bill, cable bill) the the issuer has the right to increase the interest rate, rebill any interest free balance transfers and generally make life very difficult. If this is the case, it’s not going to do late paying borrowers much good to pay cards and not mortgage.