What are the best ways to lower my debt?

For a start put scissors through the cards . Live basic till all/enough debt is payed off and then apply for 1 new card and put a limit on it. With your new card only use it for what you need it for , for example buying online but for day to day purchases only buy what you can afford with cash.

Wow...if you can afford to pay more on each card than the minimum monthly payment every month, do it. Try to pay off the highest interest card first. Do not use the cards anymore for any reason, until you have them paid off. In fact, the above idea about cutting them up is great. If you can't afford all five monthly payments, consult with your local Consumer Credit Counseling office, they will help you so that your credit will remain good.