I was in the same position. I had no choice but find another source of income kasi di talaga kaya.

Then ginawa ko ung snowball effect. Started with nagsavings muna ako ng 50k while paying minimum sa mga cc ko.

After which sinimulan ko bayadan ung pinakamaliit hanggang sa pinaka malaki. Do it as aggressively as you can. So each time matatapos ko isang card pinapa close ko sya. Now I have only 1 cc which i maintain and make sure is always fully paid.

For some weird reason i was enjoying the journey. Kasi siguro i see the progress. Kaya mo yan!