Gettin started !!!

First, get out of the bad habit of paying only the minimum required each month. Paying only the minimum -- usually 2% to 3% of the outstanding balance -- only prolongs the problems that you are facing. Besides, it's exactly what the banks want you to do. The longer you take to repay the charges, the more interest they charge, and the less cash you have in your pocket. Don't let them play their selfish game.
Instead, pay as much as you can each month. If your minimum payment is $100, double that to $200 or more. Examine your normal expenses -- you can find the money. Skip eating out at lunch, and bring it from home instead. Eliminate desserts. Give up happy hour. We all have "luxuries,” and you know what yours are.
Make a few sacrifices, and you will find the extra dollars needed to increase your debt repayments dramatically. Those increased payments will save you hundreds, if not thousands, in interest payments. Plus, you will get out of the hole you've dug for yourself much more quickly. Is it fun? No. But it sure beats living a hand-to-mouth existence, fearing bills each month