Pay off credit card debt

It would depend on your personal situation. If you have a lot of credit card debt, and you cannot afford the minimum monthly payment, then you may want to consider consolidation. However if you are able to make the payments every month i would advise to do so, so as not to affect your credit standing.

You should even speak with a counselor for other "safe"options.

Try to pay the maximum amount within the due date after budgeting your monthly expenses. The more you pay towards your credit card bill, the less will be financial charges and other misc. fees added on that amount.

You can enroll in this site for a free consultation and budgeting programs offered by the experts.