Ideally, you should pay off as much as you can afford on your credit card because the more you owe, the more interest you will accrue. But that is not always possible if you are struggling financially.

Don’t fall into the trap of thinking you are managing your credit card debt by paying the minimum amount every month, because your debt will only grow.

Missing payments will also lead to charges, further adding to your debt.

If you are experiencing problems, the first thing to do is to stop using your card and destroy it. It is also a good idea to contact your card provider and let them know about your situation, but don't agree to any repayment plan that you cannot realistically afford.

source: http://www.loan-reviews.net/loan-new...ard-debts.html