Eliminate your credit card debt as soon as possible.
The goal is to never carry a balance on your credit cards. If you use credit cards for convenience, make sure you pay off your entire balance every month. If you can't pay off your balances, then you are spending too much money. Stop borrowing money at 10% - 20% interest!
Eliminating your credit card debt is a great investment. Start investing in your future instead of investing in the profits of the credit card companies.
Ask your questions in the forum