1. Make a budget. The first is a biggie! Before you can figure out how to pay down your credit card debt, you have to know how much you have available to pay on your debt. This post isn’t going to tell you how to budget. You can check out either of these posts for budget how-to: Hack Attack: Time to budget; 10 Ways to Simplify Your Budget.
2. Once you know how much cash you have to make an extra payment on your credit cards, list the debts in order from highest to lowest. Take the extra amount and make a payment on the first (highest debt) credit card on your list.
3. Pay the minimum payment on the other credit cards. Continue this practice each month until the first card is paid off.
4. Combine the amount you’ve been paying on the first card with the minimum monthly amount for the second card and pay that on the second card. Continue until that card is paid off.
5. Continue in the same fashion with each subsequent card, increasing the payment amount every time a debt is paid off.

1. Avoid secured debt
2. Get 0% debt
3. Pay high interest debt first is
4. Prioritize saving vs. repaying debt
   

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The first one is obvious, stop using your credit cards.

Second, consider consolidating your credit card debt onto one card - or moving a balance from one card, to one with a lower interest rate.

Third, start making double payments. If the calculated minimum payment is only on the accrued interest, then you need to make a double payment to hit the principle of the debt.

By finally hitting the principle and discontinuing use of the card for purchases, you'll see that balance begin to drop.