I’m trying to do the exact same thing. The issue is that the CC currently has a balance, and it always gets paid off, but the money to pay it off comes out of the account where all the cash is. So if we pay off the credit card, then we don’t have any cash left. If we stop using the cc then we start using the cash that we need to finish paying off the cc. I’m right there with you! I called Cap One and they waived my interest for the next 2 months so I can try and get my payment cycle switched so I’m just making several payments as I get money throughout the month and trying to sell things on FB to make extra cash to use instead of using the cc so I can start fresh with a zero cc balance and all my cash in my account. It’s going to take a couple months to get it all sorted out I think.