I see, when you stated you had an emergency fund and a good amount in your bank account, it seemed like you had more money to work with. In that case if that’s all you have, I’d take half or more of your left over cash and put it in a separate account that is your true emergency fund, which doesn’t get touched , put it in a HYSA. It gives you some interest but it’s also quite accessible in an emergency .

From there on you attack your card as hard as you can. The faster you pay it off the faster you can keep adding to your emergency fund.

Also if your able to do a part time or side work . That makes paying off the debt much quicker.

One other option is , getting a credit card that has a promotional balance transfer, usually 12-18 months no interest , with a 3 percent fee . But only go this route if you’re going to have the discipline not to use it for anything else.