Struggling to keep up with credit card payments

I've been juggling a couple of credit cards for a while now, and honestly, it's starting to feel like a heavy weight on my shoulders. The minimum payments barely scratch the surface, and with interest piling up, I’m worried I might be digging myself a deeper hole.

I’ve tried to tighten my budget and cut back on extras, but unexpected expenses keep popping up. It’s exhausting trying to balance everything - I feel like I’m just treading water. Sometimes I wonder if I should talk to my bank about options or maybe look into a consolidation loan, but I’m not sure where to start or if that’s even the right move.

Has anyone been in a similar spot? How did you manage to get out of that cycle without making things worse? Any tips or advice would be really appreciated.