1. stop using your cards.
            It won't do you much good to pay down your debt if you keep adding to it. If you've arranged to have some recurring charges automatically billed to your credit card, see if you can have those bills deducted from your checking account instead.  (be sure to keep track, to avoid overdraft fees on your checking account.) Or see if you can eliminated those bills altogether.

2.Try to get a better rate.
            Some cards charge 30% or more, and anything you can do to reduce your rate is to your benefit. Start by calling your credit card company.

3. Pay off cards with the highest interest rate first, and pay more than the minimum.
            The faster you get rid of your high cost debt, the better, so try to pay more than the minimum. One good source of money: your tax return. The average taxpayer received a $2,225 refund from Uncle Sam last year. That kind of money could go a long way toward paying down your debt.

4. Save
            many people sink into credit card troubles because of unexpected expenses ; your car dies, your furnace malfunctions, your health insurance refuses to pay a big bill, etc...etc....

5. Get help
            if you find it hard to craft a budget and stick to it, or you just need a second opinion about how to get out of debt, consider using a nonprofit credit counseling service. Bankruptcy law, in fact, requires you to do so before seeking protection from creditors.
or call this number National Foundation for Credit Counseling at 800-388-2227