Does anyone out their have a lot of credit card debt?

Hiya silver, Try really hard to eliminate the debt off those Cards as they are suggesting here as soon as you can. Once you are free you will probably never want to go back to them ever again. It would be the best thing in your life too not to use them how they want you to use them. You can live without Credit Cards it´s not easy but you will free yourself from an enormous amount of stress. Much better having less money than to owe it to someone else as you gradually loose control of it. Best of luck and hope you get out of it.

I have 1 credit card and it ticks me off. I have a high balance on it, and I'm working on paying it off. I don't use it anymore either.

actually no .. i dont have credit card debts.. i have heard all the shocking stories about credt card debts and when i got the credit card i said to myself i will use it wisely.. so i am debt free.. and i have a friend who has troubles with credit card debts and now he has spend all of his earining to the bank becaus eof his bad money management..

I used to have credit cards. I got into bad habits with them a few years ago - just paying the minimum payments and using them to get me through to the end of the month when funds were short. I got into a spiral of debt and found myself owing well over £20,000 - it's surprisingly easy to do, and incredibly hard to pay off the debts. I cut up and returned all my credit cards a few years ago, but I'm still paying back what I owe, and I expect I will be for the next few years. Never again.

You should try your best to pay off the cards and then never use them again. It's much easier just to use a debit card so that you can only spend the money that you actually have at the time of making a purchase. If you can, try to move some of the balances from the other cards to whichever one of your cards has the lowest interest payments. Try to cut back on some non-essentials that you think you could do without for a little while, and get the balance as low as you possibly can. If you just carry on paying the minimum payment, you won't get very far, as you will just end up getting the balance higher and higher every single month.

Yeah the interest is horrible and terrible..? yes right, you make them live like king and you are working hard for them..Well, we did our best to get rid of them.. now we are free of that credit card..we are now using cash or check..wheew..for so many years finally we are free..horraaaayyy!! the only thing we are paying now is our mortgage and we will work to get rid of it too.?