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Pay more than the minimum payment each month, if you ever hope to pay off your credit card debt . If you have a limited budget for debt reduction, write letters to each of your creditors acknowledging the situation, and tell each one when you can begin repayment. They'll appreciate your openness and likely be a lot nicer to you. You'll get yourself some breathing space (something we all need when we're dug in deep), and dealing rather than hiding will help boost your bruised self-esteem.
