Consumers with good credit history can call their card issuers and try to improve their credit card terms. Call Visa, for example, and explain that MasterCard is offering better terms. See if they'll match. Stick with higher payments on cards where possible, even as the minimum required payments decline. Develop a strategy for paying down debt.
Some card holders are comfortable with paying off their lowest balances first.
Others prefer to pay off the highest interest rate card first. Choose the one that seems best for you. Get into the habit of sending in your payment as soon as you get the bill. That helps reduce total interest over the life of the card and is a hedge against late penalties. That cycle can be hard to break.