If you are struggling with credit card debt, there are several options available to help you manage and pay off your debt. Here are some steps you can take: 1. Find a payment strategy: Determine your best payment strategy to pay off your credit card debt. Consider paying more than the minimum payment, using the snowball method, or the avalanche method 1. 2. Contact your creditors: Reach out to your creditors to explain your situation. A credit card issuer may be willing to negotiate payment terms or offer a hardship program, especially if you’re a longtime customer with a good track record of payments 1.2. 3. Consider debt consolidation: Debt consolidation can help you manage your credit card debt by combining multiple debts into one loan with a lower interest rate. You can consolidate your debt through a balance transfer, a personal loan, or a debt management plan 1.2.3. 4. Seek help through debt relief: Consulting a credit counselor can provide help, if only to help you best understand your options. They can help you with the basics of finance, deal with your creditors, and create a budget 1.4. Remember that there are many options available to help you manage your credit card debt. Be sure to research each option carefully and talk to an expert if possible 2. Act fast and call your credit card company if you believe you're unable to pay the minimum payment on your credit card 5.