STEPS TO PAYING OFF CREDIT CARDS DEBT... STEP #3
Pay it Down.
Contact your creditor to negotiate a lower interest rate on all of your credit cards. When you're ready to start putting extra cash toward your depts, even $5 extra helps, focus on paying off the card with the highest interest rate first. Once that card is at a zero balance, take the monthly amount you were paying and apply that to the credit card with the next highest interest rate. this tactic guarantees you will spending less money on interest and pay off your debts faster.