I just did something sensible I think. I paid up two missed payments on my visa and although the money is not in my account it is now in my visa if I am really stuck , and i am avoiding late charges and interest. At the start of next month I am clearing the balance and that is my first ( tiny only three hundred limit) credit card cleared.i am making sure my husband holds on to the card as I cannot trust myself.so next month i start on credit card two. (Four hundred limit) . If I could clear all smaller ones by the summer, I would be doing well. The bigger ones are already on repayment plans, and I could throw a bit more at them perhaps. So I suppose the tip is forget minimum payment. Pay whatever you can and if you are stuck it is available. For me this is the only card I have . All other were cut up months ago but if I am really stuck i can order new card.
