Credit card help

I’m not looking for any judgement or rude comments, just a little helpful input or feedback would be nice. So my credit card is maxed out, everytime I pay it down my interest and credit card insurance comes off and bumps me back over my limit and then on top of that they charge me $30 for going over the limit. It’s been like this for the past 6 months once I started my maternity leave. Would it be a dumb idea to take out a payday loan to pay my card down so that it’s far from it’s limit so that my interest stops bumping me over? I know then I will have to pay the loan off which will suck but I’m so tired of getting charged over limit fees. I don’t even use my credit card anymore but I’m getting charged so much