Steps toward eliminating credit card debt
Make a chart of your credit card accounts
Step one is figuring out just how bad your credit problems are. Get all your bills and credit cards together and make a chart – on paper or using a spreadsheet. Put the following headers at the top of each row and list all the information about each account: Creditor or bank name, account number, amount owed, credit limit, interest rate, and minimum payment.
You need to know the problem before you can start solving it.