Properly every one of us has some sort of credit card debt, but when do we know that its spiralling out of control? Well one way is if youre pay more than 15% of your monthly salary to your credit card bills then start to worry, but a worse way of dealing with this is borrowing cash from one credit card to pay another, this will only put you into more debt. If a light comes on in your head after reading the start of this article then its time to sit up and take some action, dont think for a minute you are the only one dealing with credit card debt, almost 40% of credit card holders are in this position why! I will tell you minimum payments.

Yep-minimum payments if you only pay the minimum payment on your monthly balance, what once was a small credit card bill will turn into a very costly one youll end up paying back thousands, and will take years to clear.

How can I help myself sort out this problem!

Well if you have more than one credit card and you pay the minimum payment on them all, then this is what to do get the credit card with the highest APR and pay the most to this card, keep paying the minimum payment to the rest of your cards once the credit card with the highest APR is cleared go on to the next highest APR and so on until all the credit cards are paid off.

Another way to help is balance transfer deals try switching your card with one that has this on offer, they also offer 0% interest free period for 6-9 months great way to save some money.

People with only one credit card try not to use your card if thats not possible monitor what you spend youll be amazed at the silly things you put on your credit card, including groceries, petrol, and nights-out youll be amazed at how much interest is added on. People tend to forget about money I agree that credit cards are handy but they dont have to be used all the time, I guarantee if you monitor what you spend for a few months you will see the difference.

I know these things sound easy but its amazing how many people just use their plastic friend to pay for everything, and really when you sit down and think it really is just common sense, hopefully following these simple steps will get you back on track.