How to pay down credit card debt?

To pay down credit card debt effectively, start by paying more than the minimum amount due each month to reduce the principal balance and interest. You can use the debt avalanche method by targeting cards with the highest interest rates first or the snowball method by clearing smaller balances for momentum. Consider consolidating high-interest debt into a personal loan with a lower interest rate or using EMI conversion options provided by your bank. Stop using credit cards for new purchases and follow a strict budget to ensure consistent and timely repayments.