Paying the minimum payments on your credit card is what the credit card companies want you to do. They get more money from interest that way. Pay more than the minimum monthly payments or you’ll pay double or triple of what you owed.
$12,000 credit card debt will take you 400 months (30+ years) to pay off if you make the minimum payments each month. You will pay almost $20,000 in interest. The minimum payment gets lower as you pay off the balance. You’ll end up paying for a long time thanks to compounding interest.