Need advice on paying $21,000 credit cards debt
I am 24 years old. I’ve been stupid enough to overspend more than i could afford and I regret it. Need advice on what would be the best way I can pay this off, it’s been annoying and I wanna pay this off ASAP, my credit score is going down to 590. My annual income is $53,000-55,000. Chase sapphire interest is killing me $200. Wish i was more wise with my spending. Any advice would help please.
Monthly earnings and expenses
$3950 a month $513 car bill and $380 insurance $140 phone bill $280 rent $570 credit card minimum payments $50 gas $600 food About $1,400 left every month
Chase sapphire preferred $8,322 $280 minimum payment Chase freedom unlimited 2,474 Amex gold $1,643 Amex business gold $866 (closed) Capital one quicksilver $2,042 Capital one quicksilver one $3,095 Apple card $969 Jet blue plus card $2,317