Stop using the credit cards for new purchases
List every card balance, interest rate, minimum payment, and due date
Pay at least the minimum on every card
Put all extra money toward the card with the highest interest rate
Consider the debt avalanche method to save on interest
Consider the debt snowball method if you need quick wins and motivation
Cut nonessential spending immediately
Build a strict monthly budget
Use windfalls, bonuses, tax refunds, and side income to make extra payments
Call card issuers to request a lower interest rate
Transfer high-interest balances to a 0% balance transfer card if eligible
Avoid balance transfer fees that outweigh the savings
Avoid cash advances and new debt consolidation loans with high fees
Automate payments to avoid late fees
Pay more than once per month if possible
Sell unused items and apply the money to debt
Negotiate with creditors if you are struggling to keep up
Use a debt payoff calculator to track progress
Keep an emergency fund so unexpected expenses do not go back on cards
Seek nonprofit credit counseling if debt is overwhelming