1. Cut up the credit card. You obviously cannot handle having one yet.
2. Sit down and figure what you have coming in versus what goes out into your monthly bills.
3. Take the extra money you have and begin paying it on the credit card.
4. Consider a second job – part-time or full in which that money will be strictly used for paying off the credit card.

You can also consider a personal loan from you bank (if you qualify) for what you owe on the CC. The personal loan percentage will be easier on you than the CC will be. Have the monthly payment pulled directly from your account and you can even save half-a-percent or more on the deal.

But cut up the card. As long as it’s active you will be tempted to charge on it when there is something you want and don’t have the cash for. No cash – no purchase.

Good luck.