I got rid of my credit card of $15,490 debt about 10 years ago. Financially I couldn’t do it in a year but I did do it in 5 years . I found the best way for me was to take out a personal loan and shut down my credit card and just pay back the loan plus interest which was much lower rate and the credit card is gone.

Best thing I ever did. I don’t miss it and I have more money now and use a debit card now.