photo credit: JasonRogersFooDogGiraffeBee

In my opinion, any credit card debt should be considered excessive.  But that’s just me.

Getting out of credit card debt can seem like a daunting task, but like anything else you have to do it one step at a time.  Your first step has to be to stop using your cards and making more credit card debt.  Seriously, just stop using them.  Your monthly payments are going to be a heck of a lot easier to make if you aren’t increasing the amount you owe.  Second, you have to determine how much you owe in total.  This will help you determine whether or not you will be able to tack your debt on your own or use the services of a credit card debt consolidation company.