It depends on what is manageable for you and your family.
Normally, if your credit card balances are equal or in excess of half of your yearly income, then you should speak to a bankruptcy attorney about whether bankruptcy is a good option for you.
You may still want to seek out advice even if your balances are not that large, but are not manageable when combined with other obligations, such as your mortgage, student loans, car loan or business expenses.
There are a number of factors that are essential to exploring whether bankruptcy is the right solution to your credit card problems: (i) regularity and reliability of your income, (ii) balances of the credit cards in comparison to your ability to pay, (iii) terms of the credit cards (i.e., the minimum payments and interest rates), and (iv) other debt or budget concerns.
If you are concerned about your credit cards and want to know more about how filing for bankruptcy may be able to help, a free consultation with Miami bankruptcy attorneys may be a great way to learn more about your options.