Step 1: Check your current credit card statement to find the balance on your card.
Step 2: Calculate how much you can afford to pay off each month by looking at your budget and reducing or eliminating unnecessary expenses or items.
Step 3: Decide whether you want to pay off the entire balance at once, or in smaller increments.
Step 4: Make a payment plan for yourself, setting due dates for payments you will make.
Step 5: Contact your credit card company to ensure that any payments you make will be applied correctly.
Step 6: Stick to the payment plan, making sure to pay at least the minimum payment due each month.
Step 7: When possible, make additional payments to reduce your overall balance.
Step 8: Monitor your credit report for updates to make sure that all of your payments are being credited properly.
Step 9: Celebrate when you have paid off your credit card balance!