In case you want to settle your credit card debts, the first step in the procedure is to make a call to your bank and request them to send you your complete statement of all the payments made till now and the amount that has to be paid. Once you receive your statement calculate the entire amount of payment that you have made till the current date. After that, calculate the amount that you actually spent through your credit card as well as the amount of interest that has been charged by the bank. The total outstanding amount according to the bank should also be calculated when credit card debt settlement.   

After you get these initial figures subtract the total payment made, from the outstanding amount according to the Bank. After this ask certain questions to yourself like: Is the amount of interest charged Legible? Are you in a financial position to pay that amount? Once you have all your figures in black and white the best way to settle your credit card debts is to stop making all the payments to the bank, answer the calls of the bank by telling them about your calculated figures and the total amount of payment that you can make. Try and stay rigid on your statement and after sometime the bank will automatically agree to what you say and both the parties can sit together and settle the amount. Be careful to take a NO DUES certificate from the bank, to avoid any kind of misunderstandings and conflict to arise in the future. The next time you use your card be careful to clear the previous dues before.