Steps toward eliminating credit card debt
Sign up for automatic payments
Most credit cards offer automatic payment arrangements where they will automatically deduct your payment from your bank account each month. You can usually do this on the credit card websites. Or you can set up automatic payments from your bank to the credit card companies. Using automatic payments pretty much guarantees that you won't pay late fees ever again. You can always supplement the minimum payment by paying extra.
Be sure to have fund available for the automatic payments in your bank account at least one week ahead of time – so you don't incur any overdraft fees at your bank.