Credit card debt is the debt accumulated from the inability to maintain the monthly credit company requirements, including the actual charges for card maintenance and purchases. One approach to regaining control over the problem is to pay credit card debt off as soon as possible. You can do this by addressing the issues directly. You need to pay down the overall credit card debt. If it is possible, eliminate the entire debt completely. You can do so in a number of ways. A multi-prong approach may be best. Stop spending beyond your means by using credit cards. Place a moratorium on the spending while you address the serious issue of trying to pay credit card debt off. List the credit card debts from highest interest to lowest. Start immediately to pay the highest rates first. Maintain a minimum payment on all the rest. Alternatively, you could opt for a snowball debt payment. In other words, you transfer all the credit card debt from the card with the highest interest rate to the lowest.