Make a budget and cut nonessential spending
Pay more than the minimum payment each month
Focus extra payments on the highest-interest card first
Consider the debt avalanche method
Consider the debt snowball method
Stop using the card while paying it down
Call the card issuer to request a lower interest rate
Transfer the balance to a lower-interest card
Use a 0% introductory APR offer if available
Consolidate debt with a personal loan if the rate is lower
Set up automatic payments to avoid late fees
Make payments more than once per month
Sell unused items to raise extra cash
Increase income with overtime, freelance work, or a side job
Negotiate with creditors if you are struggling to pay
Avoid cash advances
Review statements for fees and errors
Build an emergency fund to avoid new debt
Track progress regularly and adjust payments as needed