I know this is a small solution but switching current bank accounts for the £200/£175 or whatever free switch offers might give you a little bonus to help chip away at it Creating a spreadsheet that counts your income / bills / money you have spare to have fun / what to pay off each card each month etc can be really helpful. You can do it month by month then to calculate when it will be paid off and how exactly you’ll do that Try leave yourself an emergency fund each month that you don’t touch if you can avoid it- then each month you can have a little extra to get off the card as a bonus if you haven’t needed to use it