Trying to pay off 18k debt. Confused about when to use debit/credit cards?

Trying to pay off 18k debt. Confused about when to use debit/credit cards? Hi - I’m 18k in CC debt between 3 CCs - Discover, Amex and Cap One. Amex has about 10k debt while Discover has about 6k and Cap One has about 2k. Been following some threads here for a while for some tips on how to pay it off. Here’s some steps I took, though I think I need to rethink a few of them for security purposes.
I took all of my month...

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