What's the best way to rid yourself of credit card debt?

It may sound stupid to get a loan to pay off a loan, but I would suggest 1. cut up your credit cards, whatever, stop using them right away. The avg cc has about 20% interest on it. 2. Go to a credit union, get an account ($5 to keep it open) 3. Get a loan from your c.u., and use it to pay off the credit card completely. Stash the leftover money in your savings account, and allow them to w/d it when your loan payment is due. This will not only pay off your cc debt, but I got a loan from a c.u. 2 yrs ago at 4-5%. It will also help your credit rating. I got a 3 yr loan, for $3500, and pay only $103 a month. Good luck

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cute the card first and then slowly settle your bills, if you do not have the card to use, you will be able to settle your account, and pay more than the minimum amount due.

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Contact the Credit Card company, break the outstanding amount into comfortable installments and pay that much every month "without using the credit card", from your hard earned money. Also stop using any credit card till you close this account. After that, reduce your credit limit. Try to avoid using credit card at the restaurants. Always pay at least the minimum required amount on your credit card bill Before the due date. This will make a lot of difference.

Here are a few things that can help. 1. Try to negotiate with your credit card company/companies for lower interest rates. If they are unwilling to lower your rate and it is a high percentage, see if you get another card with a lower interest rate and transfer the balance to it, it will save you money in the long run. 2. If you have more than one card, it is important to pay off the one with the highest interest rate first. For instance, if you have 3 cards with the rates of 21%, 19% and 12%, pay the minimum amounts on the two cards with the lower interest rates. Take any extra amount you would have applied to those two cards, and put it all on the 21% card. This will get you out of debt faster and lower the total amount of money it will cost to get you out of debt. 3. Pay at least the minimum payment every month, on time. If you don't, they will jack up your interest rates on the cards and charge late payment fees, making it that much harder to get out of debt. 4. Try to pay more than the minimum payment But again, see rule number 2, when dealing with mulitiple cards. 5. Loan consolidation Others have suggested it but it can viable solution depending on your circumstances. If you can get a loan to pay off all your cards at a lower interest rate than what your cards charge, you are ahead of the game. As long as you can afford to pay the one larger monthly payment and stop using the cards, so you don't end up right back where you started owing even more money. Hope that helps.