If you are looking for the answer to overcome this problem, here we will try to discuss it all. There are several ways that you have to do to pay it easily. First, please pay more than the minimum.
One of the worst habits of the credit card user is paying it minimally. So, you can pay the debt quickly. The second step is by snowball your payment. Here means that as the debts decrease, the money you have mostly used to get the payment increased.
Then, you can try to withdraw your money to pay the payment. No one wants to do that, but, it will make you less risky. If you cannot get the other option of money to pay the payment, you can try to get borrow against the life insurance policy.
If you do that, you will get easier one step in paying credit card debt. Then, the best other way to covers it is renegotiate to the creditors, maybe you can get extend time to pay it. Then, how to pay off credit card debt will be no longer asking in your mind.