It is really easy to get into credit card debt. Spend a little bit here, and spend a little bit there and before you know it, you have a substantial credit card payment each month. The payment can cut into your available money. As the payment grows, you are relying on your credit card more and more and driving up your balance and minimum payment amount more each month.
It can be a vicious cycle, and in a lot of ways, it is better to just not have a credit card at all. When you are ready to pay off change the situation, you need to stop using your credit cards completely. You'll need to cut back on spending so you can find extra money to put towards the debt each month. You can turn the situation around.