Credit card debt can really wear you down.
Unless you've experienced what having this much outstanding debt can do to your mental state, you have no idea.
It's like a weight around your neck, constantly pulling you down.
The good news is, you are reading this article so that shows you want to do something about this problem.
So here are some tips that can help you clear your credit debt quicker than you thought possible! I want you to sit down and take a look at the balance on your current credit cards.
Choose the card that has the lowest balance to pay off.
Where ever you have to get the extra money from, start paying a little extra on this card every month.
This means that you are paying towards the balance and not just the interest.
You will find that you get rid of this card much quicker than you thought.
Once this card is paid off, cut this card up but don't cancel it.
Now take the amount of money that you were paying towards this card and apply that amount to your credit card with the next largest balance.
This snowball effect when applied properly will help you remove your outstanding credit card debt so much faster than just paying the minimum every month.
The other thing that I recommend that you do is to order your credit history report so that you can determine if there are any mistakes on this report.
You'd be surprised at how often the three big credit reporting firms make mistakes.
So you want to rectify this as soon as you can.