CLEVELAND -- It used to be that people would do everything to keep their homes, but that's not the case anymore.

Consumer specialist Angie Lau reported on the latest trend when it comes to choosing whether to keep your credit card or keep your home.

Some credit counselors are actually seeing people keep current on their credit cards, while their home is in foreclosure.

"I think they are falling back to, 'At least I can pay my credit card. I am going to keep that current,'" said Lisa Oliver, of Key Bank.

Surprisingly, the banking industry says it's the credit cards that get paid off first.

The numbers don't lie. The rate of people losing their credit cards have remained low while families losing homes to foreclosure continue to rise.

Oliver said that when families get into mortgage trouble, many may choose the debt that is easier to handle, and that's credit.

But she said, "You really can't pick one over the other. You really have to figure out how to address your total debt picture."

Oliver said debt is debt, and you need to create a strategy that will help you deal with both credit card debt and your mortgage.

"Really reach out proactively and get that advice. To say, 'I am going to have trouble paying my mortgage can you help me?'" she said.

Then tackle your credit card debt.

Remember, just paying the minimum on credit card balances can really add up.

Take for example buying a TV for $500 and making the minimum payment every month.

If you have a card with an 18 percent interest rate it would end up costing you nearly $950 over the course of eight years, just in time for a new TV.

Experts fear credit card defaults could be the second shoe to drop after foreclosures.

Check out your local bank or credit counseling agency for help.

Key Bank offers a financial planning service to help consumers get back on track and it’s free.