Help us help you to break the chain of being overcommitted
Distinguish between luxury and necessity, then cut back on credit card use for luxuries.
Commit to paying your accounts in full each month on time and if possible do not use credit
cards at all.
If you have many accounts and credit cards concentrate on closing one account every month or alternatively every second month until you are down to a couple of manageable ones.
Cash has always been king, so set up a personal budget and only use cash. Stop purchasing on accounts or with credit cards until you have reached a position where your disposable income is favourable.