Stop using the credit cards
List every card balance, interest rate, minimum payment, and due date
Make a budget and cut nonessential spending
Pay at least the minimum on every card
Put extra money toward the highest-interest card first
Or pay the smallest balance first for quick wins
Call card issuers and ask for a lower interest rate
Ask about hardship programs or payment plans
Consider a balance transfer to a lower-rate card
Consider a personal loan to consolidate debt
Use windfalls like tax refunds, bonuses, or side income to pay debt
Sell unused items and apply the money to balances
Avoid cash advances and new debt
Set up automatic payments to avoid missed due dates
Track progress each month
If debt is unmanageable, contact a nonprofit credit counselor
Consider debt management or debt settlement only after understanding the risks
Keep building an emergency fund after debt is under control