A solid debt reduction plan is in place and you have stopped using credit cards for new purchases. (debthelp.com)
The very first thing that you need to do when you discover that your credit card debt is out of control is to stop using your credit cards altogether. (financegab.com)
I recommend you resolve to stop using the credit card in this way, and work toward paying off your debt to zero. (money.stackexchange.com)