If you're having trouble keeping up with your current payments, then there are two important things that you need to do. First, negotiate a higher credit limit. This should be very easy for you to do because you've already established a good history of paying bills on time. Just call the credit card company and ask to have your credit limit increased. If you're approved, then it will be much easier for you to meet the monthly payments. Second, pay off your credit card balance faster. If you can increase your payments by $100 per month, it should only take two years to pay the entire account off. Just be sure that you don't add more expenses if you can't afford it yet because your goal is to reduce the utilization ratio as quickly as possible.