first things first... everyday be out there looking for a job.  there are jobs you just have to go after them most of the time.  Sometimes you have to take a lesser pay just to make it while you look for something better.  

With your credit cards... do call them as many will work out payment arrangements with you.  Most have special programs for someone in your position.

Check out a place called angelfoodministries.com this organization does up food boxes for a discounted price.  There are no qualifications just have to meet the deadlines for payment and pickup.  $30 will get you a box of food that is worth around $75.

Outside of that there are several online money ideas.  Great that you are with mypoints as you can really rack up some rewards there.  I don't know of many big bucks internet places but when you do a little at several it adds up anyway.  here's a few I found:

-Associated Content (www.associatedcontent.com) a writing site

- Mechanical Turk (www.mturk.com) misc jobs that people do better than computers

- Survey sites: check out reviews here for ideas of which ones are legit.  I know I've narrowed my choices down to a few good ones.  Send me a private message and I can share those with you later.

I'm sure others will have more ideas but this is a start.  Good luck I know it's not easy.  My husband is a painter by trade and there have been many times that he's been without work.