<prompt> Human: I am a Marine Corps Veteran banking with Navy Federal, when I was still active duty I got a credit card with Navy Federal since I knew it would help me increase my Credit Score. Since I always paid on time and had almost perfect CS they bumped me up to a 7,500 credit line. With a 17.42 interest rate. At that point I didnt care about the interest rate cuz I was only using it for small transactions. Well after I got out the Marine Corps I was unemployed for 9 months and that credit card helped me survive for that time since u had Car Payment, Cell Phone Bill in case an employer wanted to contact me, and rent. Well I used up all my credit line and now that Im starting to get back on my feet, Ive been trying to fix my credit as well, but no matter how much I pay towards my credit card the balance never goes down. Ive never missed a payment even though it might of been late once or twice. I havent used it in almost 3 years. And no matter how much I pay the balance never goes down cuz once the next month arrives I owe the same amount I owed the month prior. Please Help , id appreciate anything that could help.  <response>: You can ask for a reduced interest rate, but they may not give it. And closing the account isnt going to help anything. Youll continue accruing interest on your outstanding balance until it is paid off. The balance should be going down at least a bit every month. Are you putting new transactions on it? If so, stop immediately. It sounds like youre best off using no credit cards for now. Get on a strict budget and throw every spare dollar at this debt until its gone.This sub is good at triaging budgets. If you can post a list of all your incomeexpenses people will probably have good suggestions. 