Detailed Below I have highlighted some bullet points for you to consider.

1-  Stop all your credit card and keep only one for emergencies. Always use cash instead. And for the one you keep, be sure to choose one with the lowest interest rate and best credit facilities. If you search you find. If you are a student, look for student plans with zero monthly fees and very low interests and also a low renewal fee.

2-  Cancel all of your credit lines and request a lower interest rate on the debt you have left. 

3-  If you have multiple credit cards, transfer the debts to the card with the lowest interest rate or get a debt-consolidation loan from a bank at a very lower rate. 

4-  Use cash! And buy what you really need only! 

5-  Pay off the debts with the highest interest rate first. 

6-  Add an extra payment on the next debt by taking the payment you made on the first debt and adding it to the current debt. 

7-  Always have you notepad or PDA with you and invest in personal finance software to track your spending. Search the web and you will find great software for competitive prices. Also invest in debt-reduction software, it will help you calculate and create a debt reduction plan.

8-  If you have investments that are paying lower percent then the credit card interest rate, cash out your investments and pay off your debt. 

9-   Use consumer credit agencies to arrange repayment of debt. Many are free. 

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