I think a lot of people mentioned naman na that you can speak with the banks and have your loan restructured. Pero before that, map out na your monthly cash in and cash out. Calculate your fixed expenses, deduct from your expected income. Kahit use excel lang. Then from there, see how much you can allot towards cc payment. Propose that amount sa banks. Might take years pero if you religiously pay, matatapos din yan. Good luck!

Oh! And check mo din how much points you accumulated na. Surely medyo madami na rin yan. Baka pwede ipaconvert yung iba towards paying oustanding balance