If you can't pay your credit cards, even short term you should call the company's and tell them. Some times they will give you a break with late fees and such.
You really can't claim you are doing all that you can do to find a job if you refuse to change your hair color. There are many places that will not hire people with "unnatural" hair color, even in the bay area and they may never tell you that is the reason they didn't hire you.
Good luck on the job hunt I hope you find something soon.
Jones