And that's only part of the list of failures.

Oops I did that by paycheck not per month good catch I'll edit.

It would take 16 months of your entire paycheck going to credit card payments for it to be gone.

Do yourself a favor. Cut up those cards, you don't know how to use them.

This will stop you from accumulating even more debt. Depending on your other expenses you may be looking at 4-6 years of repayment on them. I would consider bankruptcy but that should be done with more information bc again we don't know your other expenses. Assuming 20% on those credit cards you are paying 18k a year in interest alone.

I've had 12k in credit debt before and it took me like 3 years to get out of it and finally be responsible about credit use.