Chances are, some of your APRs may be quite high, even if they started off low or at 0%. At the time of publication, the average APR for a credit card was 17.02%, according to CreditCards.com.
Look into ways to reduce the overall amount you owe, such as by lowering your APRs, particularly if you're trying to pay down several cards.
"While it might seem counterintuitive to apply for a new loan when you're working to get out of debt, rolling balances into a new form — ideally with fixed monthly payments, lower interest rates, or a defined shorter payoff term — could reduce the carrying cost of the debt," Norris said. "Personal loans, 0% balance transfer cards, and home equity loans are options to transfer debt out of credit cards with high interest rates."
She also said you can reach out to your creditors to negotiate a lower APR, citing your track record of making payments on time as a reason to cut you some slack.