List all credit card balances, interest rates, minimum payments, and due dates
Stop using the cards while paying down debt
Make at least the minimum payment on every card
Put any extra money toward one card at a time
Use the debt avalanche method by paying extra on the highest-interest card first
Use the debt snowball method by paying extra on the smallest balance first
Consider transferring high-interest balances to a lower-interest card
Consider a personal loan to consolidate debt
Negotiate lower interest rates with your card issuers
Cut unnecessary spending and redirect the savings to debt payments
Increase income with overtime, side work, or selling unused items
Set up automatic payments to avoid missed due dates
Build a small emergency fund to avoid adding new debt
Track progress monthly and adjust your payoff plan as needed