What is the best way of eliminating credit card debt? by monthly payments or or by one big time payment at the end of the year?

The Best way of eliminating credit cards debt is for sure by monthly payents.

Its more measurable, you can monitor it easier and if you are a bank employee you can analyze your customers in a very effective way.

However, there are some customers you can't apply the monthly payments on them (VIPs, ...) , but you can monitor their cards in better way monthly.