Stop using your credit card
There are two kinds of people.
One who use credit cards responsibly. They repay their credit card dues in full when they receive the bill.
The other group will pay the minimum amount due and carry forward the balance amount.
If you belong to the second group, you need to stop using credit cards temporarily.
Take out and keep your credit cards in the locker.
Once your financial situation and buying habits improve, then you can start using your credit cards again.