Minimum payments are often set so that most of the money goes to interest. Even a modest amount above the minimum each month can shorten how long you are in debt and reduce the total interest you pay. Check your statement to see how long the minimum would take.
General tips from the Cashflow Team, not financial, tax or legal advice. Your situation is different, so talk to a qualified professional before big decisions.
Track it in Cashflow
Cashflow: Budget Manager is a free app to scan receipts, set budgets and savings goals, and see where your money goes.