Minimum payments are geared to cover the interest plus a very small amount of the amount borrowed. It will take years for you to repay this. Best tip is to take out a new card with a provider that will offer zero interest, offers are currently 12 or even 18 months interest free. There is normally an upfront charge of about 3%. Make sure you keep strictly to the repayment conditions. After the interest free period apply for another interest free card, and so on until the debt is repaid. Oh yes, and stop using the credit card for purchases.