Overspending with that rectangular piece of plastic was bad enough and you may have wondered how you would be able to pay for all your fancy purchases and are now in dire need of credit card debt tips.
Matters were compounded when you realized at the end of the month that a huge amount of interest was being tacked on along with mysterious charges and fees meaning you were now in deep financial trouble.
However, if you take the right credit card debt tips, you could soon find yourself getting out of trouble, slowly but surely.
Many Americans, just like you, are now desperately seeking ways and means which could even eliminate 50% of their debt.
Even if you cannot pay up the whole amount you owe on your card, you can chip away at the figure patiently.
One of the tips suggested is by making sure you pay over the minimum amount due and be sure to pay it on time.
This strategy will slowly eat away at the amount you owe and before you know it, you will have made a substantial dent in what you have to pay.
While the companies give you a deadline by which you should pony up, make a deadline for yourself and follow it religiously.
That way you will know how much you have to pay and at what time of the month and how much you will have left over to manage your routine expenses.
You could also consider negotiating with the company.
Tell them you are facing difficulties and you can only afford to pay a certain amount every month.
You would be surprised how many would agree.
You can also use some reverse psychology stating another company has offered to pay off all your dues and if you switch, it will give you an even lower interest rate.
By just going online, you will find a whole host of credit card debt tips.
All of them make common sense and whichever ones you choose, you will eventually win the battle against the purveyors of plastic.