I have been working on reducing my debt by paying off credit cards.

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You should work on reducing your debt by paying off your credit cards.

I consistently pay extra on my credit cards to reduce my debt.

Have you been working on a plan to reduce your debt?

If I hadn't been paying extra on my credit cards, my debt would be much higher.

I am diligently working to decrease my debt through the systematic repayment of credit card balances.

I'm chipping away at my credit card debt.

I'm paying off my credit cards to get out of debt.

Decreasing the amount of money owed.

Making payments to eliminate the balance on credit cards.