<prompt> Human: My parents funded a vacation among other things entirely using Credit cards, and most are above 75 of the credit utilization. Theyre frequently hit with late fees and interest totaling more than what they pay every month. I cant really help them financially because they wont let me, but is there any advice I can get for them?  <response>: Unfortunately, the math doesnt really work out. Theres nothing that can be done without addressing the budget issues that is causing all this i.e. spending less money making more money; having more income than spending.Regarding cc debt in general, if someone is unable to pay off the card in full, they should ideally stop using the card and start using cash, since paying with credit card is more expensive than paying with cash once you factor in the interest charges. 