I am unable to clear debt due to over spending every month.. i feel i am stuck with cc debts please show me some way or help me..
First thing first, Never opt for CC debt.
The only way to get out is by reducing your luxuries/expenses.
Pay your existing EMIs on time. And collect money to prepay the whole debt.
Btw, What is the Monthly salary and How much is the CC debt?
What luxuries did you opt which lead you in this condition.
Just curious to know so that I can not do the same.
I will suggest you to take a personal loan and clear all CC debts.
interest factor would be costly or not?
Hey , i would love to help you out ... as i am doing CFP course too . All above suggestions are right , if you want to discuss , pls pm . Also , whats your salary and whats your outstanding cc debt ?
Not a finance geek but wondering why no one suggested a loan against mutual funds/SGB? the interest rate would also be lower I believe?
Is in good option to top up housing loan rather than taking personal loan? Any suggestions?
Only personal loan is option but I doubt if u get it due to cibil n running cc debt.
If u have some digital assets like shares mf or crypto just sell n pay it.
Or take from family or friends n pay it . Atlst u will have interest free loan if they gives.
Edit: cc not paying bill interest rate is almost 33% compare to others loans it's 3 time.
Immediately, stop using cc.
Close all apps. Even DesiDime to avoid useless shopping [for you] .
Delete all cc & app, remove it from Shopping Sites.
Lock all cards in locker.
It's a Trap if you don't be careful now , God Bless you!
This is best advice 
OnlyAC
If you are going to take a loan from family or friends, insist on them taking an interest rate above what they get with a savings account at least. They may be willing to give it interest free but that will cause a whole lot of other issues later on in life.
In our community, if the child and a parent are into different businesses and either takes a loan from each other, they charge a near market rate interest! Some call it shameful but it teaches responsibility and instills a business sense into the loan taker.
First thing first, Never opt for CC debt.
The only way to get out is by reducing your luxuries/expenses.
Pay your existing EMIs on time. And collect money to prepay the whole debt.
cc debt never get end 😝
Immediately, stop using cc.
Close all apps. Even DesiDime to avoid useless shopping [for you] .
Delete all cc & app, remove it from Shopping Sites.
Lock all cards in locker.
It's a Trap if you don't be careful now , God Bless you!