To get out of credit card debt effectively, key strategies include:

• Make at least the minimum payment on all cards to avoid penalties.
• Use either the debt avalanche method (pay off highest interest rate balances first) or the debt snowball method (pay off smallest balances first for motivation).
• Consider balance transfer credit cards with 0% introductory APR to reduce interest while paying down debt.
• Cut discretionary spending temporarily and apply freed-up funds to debt repayment.
• Consolidate debt with loans or lines of credit for simpler and possibly cheaper payments.
• Use extra money, such as bonuses or tax refunds, to pay off debt faster.
• Contact your credit card company to request a lower interest rate if possible.
• Borrow cautiously from family only if feasible, with clear repayment terms.

These approaches help reduce debt faster, lower overall interest paid, and improve financial control. Choosing a plan that fits personal motivation and financial situation is important to stick with repayment successfully.

If more detailed options or specific repayment plans are desired, further guidance can be provided.