The first thing that you need to do to start paying off your credit card debt is to start making more than minimum payment on your credit card monthly bill.
Meeting the monthly payment on your credit card will allow you to gradually and systematically pay off the balance on your credit card. For this you need to is calculate the total amount of money that you owe on your credit card. Then he need to sit down and carefully calculate all reliable means of income. Then you need to calculate your essential expenses. This will need making of a household budget. Making a budget is simpler and yet more important in the situation than you think. Once you have this data ready you will know how much from your income you can put towards reducing the credit card debt.
Let’s call this money the debt reduction fund.
Make the minimum payments on all your credit cards, while making the more than minimum payment on the card that you want to pay off first. This is usually and should be either the card with the highest interest rate, or the card with lowest balance. The payment on this card should be the sum that is left from the debt reduction fund, after making the minimum payments on all the credit cards.
When you pay off one credit card, move on to the next and so on and so forth till the debt is paid off.
Paying off your credit card debt without asking for a credit card debt settlement from the credit card company is better for your credit rating and your credit score.