I had a serious wake-up call last year and took out a personal loan to pay off $20,000 in CC debt across 3 cards. $700 monthly payments for 36 months with about 12% APR. Having $0 due on my cards and a manageable monthly payment made me feel like I was in control again.

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This year I've been pinching pennies and paying $2,000 per month on that loan. It'll be paid off in August and I'll be debt free.

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Make sure you shop around for the best APR you can find. But anything around 9-10% is better than keeping that debt on those cards, and it's a good way to hit the reset button IMO. As others have said, do not look at your paid-off cards as an excuse to spend more money. Make a budget and don't spend money that you don't have.