First study the card applications that come to your house. Grab one that has 0% interest, and NO TRANSFER FEES! Then transfer all your debt to this one card and close out any others.
When the bill comes look at the min payment, and then add at least $100 to it.
At about ten months start looking for another deal. I had to do it a few times when times were tough, but the key is finding the 5% that don't charge you the transfer fee.
Also never be late with a payment, this nullifies the 0% in addition to a hefty late fee.
If you stay diligent with it you can pay nothing but principle, the card companies are banking that you won't be. Good luck with it.
