Best credit cards, an in-depth review
You will actually start chipping away at the balance, when you make more than the minimum payments. Work on the card with the least amount of debt first, if you have debt on several credit cards. It is much easier to focus on one card at a time, and you will be encouraged to move onto another card once you pay one off. Send in additional payments on your credit cards, if you ever have free funds. After you begin to eliminate the debt on your credit cards, cancel the most recent cards and keep the one you have had the longest.