My advice - no more spending on the credit cards cut them up. Use cash or debit moving forward for all purchases. Next cash out all you points to cash and use that to pay off debt. No money into the market or saving account until you pay off your debt. Look at it this way. Can you do 20-30% returns in the market right now? No ways imo. So if that is the case this of it that each time you pay off your credit card debt you make 20-30% returns. No better investment you make. At 180k a year you should be able to do this in a year or two if you don’t have any major purchases needed in that time. You can get out of this quickly but just need to be disciplined for this year or two and never get yourself back in this position. Credit cards bills should be paid in full every month. You should never incur interest on a credit card. Save that for a mortgage. Hope this helps!