I had this problem yrs ago. I went to my Credit Union and got a loan to pay off my credit cards. Interest rates were so much lower @ 6.9%. It was a 3 yr loan and would be paid off and the payment was lower than my credit payments were. Also don’t cancel your credit cards, it will hurt your credit score especially if you’ve had them for awhile. Just pack them away. You can also put a freeze on them, until you really need to use them. After getting everything paid off, just use for emergencies and try and pay them off right away. Good Luck.