The first step is to reduce your available credit. Department store cards tend to carry higher interest rates than major credit cards. If you have credit left on the low APR card, and the card has a balance transfer option, you can consider transferring the higher APR cards to the lower. This is only a temporary solution, but it is one that can save you thousands of dollars in interest and annual membership fees. Close the account.
Many people transfer balances from credit card to credit card every month.
Once the account is closed, it's gone. Minimizing your credit lines is the only way to stop future debt from occurring. Transferring balances to one card gives you the benefit of making one payment as opposed to multiple payments. This will help you when you are budgeting because you know exactly when the bill is due, rather than having multiple bills that arrive each month, with several due dates. The next step is budgeting.