So, how do you pay down that debt? CNBC looked at ways to help you get your balance lower. First off, you'll need to 9reassess your 10spending, and that means making sure you have a basic budget in place. Experts say you can't expect to 11tackle debt if you don't know how much money is coming in and going out every month. Next, pick what 12method you'll use to 13pay off the debt. The 14avalanche method has you listing debts from highest to lowest based on the15 interest rate.

The snowball method puts a 16priority on your smallest debts first, regardless of the rate. You pay those off and build 17momentum. And look for a zero-balance transfer card. It's one of the best ways to have an opportunity to 18aggressively pay down that debt. For more tips on paying off your credit card balance, check out the full story at cnbc.com.