Credit card debt is a problem. It can lead to headaches, fights, and untold stress. If this is happening to you, below are some guidelines to follow:

First the Dont's:

1. Don't keep using your credit card.

This will just put you further in debt.

2. Don't go for the first transfer balance offer you see.

Read the fine print. Fees and charges are different for each card. Choose the best one for you.

3. Don't pay a little extra on each credit card.

This won't get you anywhere. You need a focused plan to eliminate one debt at a time.

4. Don't go for a debt consolidation loan.

Studies show that most people who get debt consolidation loans end up charging up their credit cards all over again. This leads to even more debt!

Now the Do's:

1. Do use a debit card or write checks.

This will help insure that you don't go into more debt.

2. Do make a budget.

Figure out what expenses you could cut back on to live within your means.

3. Do focus on paying off one credit card at a time.

Commit all of your resources to paying off one before making extra payments on the others.

4. Do transfer your highest interest rate credit cards to lower rate cards through balance transfer offers.

Make sure to watch hidden fees and study each offer carefully.

5. Do figure out a reward for yourself after your credit card debt is eliminated.

What is the biggest reason to eliminate your debt? This will keep you motivated throughout the debt payoff process.

Interested in paying off your credit card debt fast? Visit http://www.debt-destroy.org/card-credit-debt-free-help.html for more FREE ideas on how to pay off credit card debt. Also, sign up for our FREE email course that will show you how to live life on your terms by destroying your debt! Take our free course at http://www.debt-destroy.org/card-credit-debt-free-help.html Article Source: http://EzineArticles.com/?expert=Michael_G._Harris