Stop using the card for new purchases
Check the current balance, interest rate, and minimum payment
Make a budget and find extra money to put toward the debt
Pay more than the minimum payment each month
Put any extra income toward the balance
Focus on the card with the highest interest rate first
Or pay off the smallest balance first if you want quick wins
Set up automatic payments to avoid missed due dates
Contact the card issuer to ask about a lower interest rate
Consider a balance transfer to a lower-rate card
Avoid cash advances and late fees
Keep paying until the balance is zero
Confirm the account is fully paid off
Close the card only if it will not hurt your credit goals