Over 75% of Americans have credit card debt.  Whether its $50 or $50,000, if you don’t have your credit card bills paid off in full, you’re in debt.  There’s no easy way out of debt but I’m going to show you some tips that you can use in order to make it easier for you to kill those card bills and never see them again.

Call the credit card company – The first step we’re going to do is call up every credit card company you’re a part of.  You’re going to ask them how they can lower your total.  9 times out of 10, the companies are willing to negotiate a better deal.  This will not only lower your debt right away, you won’t have to pay that full balance in the future.  Think of it this way – by the time you pay your bill off in full, you’re probably paying more toward interest than what you bought!

Pay off the highest first – Once you have all the credit card bills lined up in front of you, you’ll want to attack the highest interest rate first.  Why will you want to do this?  It’s a lot easier to pay the highest interest rate and concentrate on that first rather than the lower rate because your bill is going to add up a lot quicker if you have a higher rate.  Pay the minimum on all the other bills while paying the most toward the highest bill.

Always pay on time – No matter what you do, ALWAYS pay on time and always pay as much as you can.  If you can only pay the minimum, do it! If you don’t, this is going to hurt your credit score in the long run.  You’re going to get awful interest rates and this is only going to cost you more money.

Make more money – If you’re not making enough now to pay off those bills, get a job part-time.  You can always deliver newspapers, pizzas or just simply work a retail job.  There are no jobs beneath you!  Even if you bring in an extra $500 a month, it’s better than nothing!

Debt just doesn’t disappear and you have to work toward it and take action.  It’s just like losing weight.  You know what to do to get rid of it but why aren’t you doing it?  Get out there, make some money and attack that debt.  You’ll be thankful you did in the long run.