Clear your credit card debt
If you can, you must pay more than the minimum payment each month. Pay on time, or penalties will be charged.
Transfer debt to a nil/low rate credit card
Look at transferring your credit card debt to a low rate or 0% card but make sure you know when that rate expires and finish paying off the balance, or moving the debt to another provider by that date.
If you can only afford to make the minimum payment each month, stop using your credit cards. Firstly, put all the money you can afford into repaying your most expensive credit card debt first. Then move onto the next most expensive and so on.
You must keep making the minimum payments on all your credit cards and loans.
If you're at the point where bills aren't going to get paid, contact the REVIVAL team.