Credit card debt is wrecking people’s lives as we speak. The lure of the “easy money” ruins a lot of families because credit card holders are too weak to refrain from buying yet another thing they really don’t need. So what can you do if you are staring in the face of debt? Have you tried implementing the Debt Snowball method?
The excess amounts go to the smallest balance. Once that is paid off, add the excess plus the minimum payment on the smallest to the second smallest. Continue this process over and over until all your debt is GONE.