Credit card is not a tool anyway. But, you think it is. So that is why you have a lot of debt to pay. Then, you have to stop using the credit card. Using the credit card will not help you be wiser in handling financial.
So, you’d better cut it off. The third step is multiply 0.5 of your balance for the next payment. So, if you do it regularly till the month, I guess you will pay it off the debt.
And surprisingly you will know the true interest. The forth step is stop spending money for little thing which is unimportant. The next harder step is stop spending and do saving.
So, you have to keep much money for your saving. Then, the last step is by using the debt calculator. This tools will help you much to keep you keep in track. So, you will not face to paying off credit card debt.