Need advice on approaching banks to negotiate debt

Hello! I currently have ~600K credit card debt across 4 different banks, + 70K outstanding balance sa CIMB REVI credit. 

Lapag ko lang yung questions here before additional context haha:

1. I’m planning to pay off my CIMB debt first before settling with the banks. Would it be okay to reach out na sa banks to explain my situation or should I just reach out when I’m ready to negotiate with them regarding payment terms?
2. Once I settled my CIMB debt, is it okay if I negotiate with 2 out of 4 banks muna instead of negotiating with all 4 agad?

I stopped using my credit cards na since December 2024, and I was planning to pay them off one by one this year sana (was able to pay off one card this year yay!), but I lost my job around June this year so I wasn’t able to continue paying at least the minimum amount due for each card since then.

Nahirapan ako makahanap ng bagong work so naubos ko talaga yung savings ko sa utilities pa lang sa bahay. I am actually one of the 3 main providers in our household of 8, so wala talaga akong choice kung hindi gamitin yung naipon ko to pay for our utilities, which is also why I havent been able to pay for my credit card dues.

Now, I finally secured a job (yay!) and I’m starting this January. Hindi rin ganun kataas ang sahod, but at least it's better than earning nothing. Ang net salary ko would be P40K, then expected household bills around P15K. RTO yung work ko so I expect P4.5K ang gastos for the whole month required RTO days (including both transpo and food na).

Yung reasoning ko why I am not planning to negotiate with all 4 banks agad is I also want to save at least a small amount for each month para lang mareplenish yung savings ko while also paying off my debts.

Just want to hear real person thoughts please, ayoko magtanong kay ChatGPT, duda ako sa kanya…

Also, di ako sure if this is the right sub or dapat ba sa cc-related sub ako magtanong.. So please, let me know if mali. Thank you!