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 extra money toward the card with the highest interest rate
Consider the debt avalanche method to reduce interest costs
Consider the debt snowball method if you want quick wins
Create a strict monthly budget
Cut nonessential spending
Increase income with overtime, side work, or selling unused items
Set up automatic payments to avoid late fees
Call card issuers to request a lower interest rate
Ask about hardship programs or payment plans
Transfer high-interest balances to a lower-interest card if fees make sense
Consolidate debt with a personal loan if the rate is lower
Use windfalls like tax refunds, bonuses, or gifts to pay down balances
Avoid cash advances
Keep credit utilization low as balances fall
Track progress regularly
Seek nonprofit credit counseling if debt feels unmanageable