Stop using the credit cards
List all debts, balances, interest rates, and minimum payments
Make a budget and cut nonessential spending
Pay at least the minimum on every card
Put extra money toward the highest-interest debt first
Consider the debt snowball method if motivation is the priority
Call creditors to request lower interest rates or hardship options
Consolidate high-interest balances into a lower-interest loan if qualified
Transfer balances to a 0% introductory APR card if eligible
Use windfalls, bonuses, tax refunds, or side income to pay down debt
Avoid taking on new debt while paying off existing balances
Set up automatic payments to avoid missed due dates
Negotiate a settlement only if you understand the credit impact
Seek help from a nonprofit credit counseling agency
Consider a debt management plan if payments are unmanageable
Monitor progress regularly and adjust the payoff plan as needed