List all credit card balances, interest rates, minimum payments, and due dates
Stop using the cards while paying down debt
Make a budget and cut nonessential spending
Pay at least the minimum on every card
Put extra money toward the card with the highest interest rate
Consider the debt avalanche method to save on interest
Consider the debt snowball method if you need motivation from quick wins
Increase income with overtime, side work, or selling unused items
Use windfalls like tax refunds, bonuses, or gifts to reduce balances
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
Consider a personal loan to consolidate debt if the rate is lower
Avoid cash advances and new purchases on credit cards
Set up automatic payments to avoid late fees
Track progress monthly and adjust the plan as needed
Seek nonprofit credit counseling if debt feels unmanageable