For most credit card debtors who have managed to escape from credit card debt, they quickly find themselves right back in it again! So the question then is not just how to get out of credit card debt, but rather it is a question of how to get out of credit card debt and stay out of it? The problem with credit card debt is that it creeps up on you, and even though you may bring about temporary relief via budgeting and possibly applying for some low or zero percent interest balance transfer credit cards, inevitably the debt begins to rise all over again!

1. By Dermot Farrell
Copyright © 2012
http://www.CreditCardDebtSecrets.org
The Secret Behind Credit Card Debt – Copyright 2012 – http://www.CreditCardDebtSecrets.org

2. For most credit card debtors who have managed to escape from credit card debt, they
quickly find themselves right back in it again! So the question then is not just how to get out
of credit card debt, but rather it is a question of how to get out of credit card debt and stay
out of it?
The problem with credit card debt is that it creeps up on you, and even though you may
bring about temporary relief via budgeting and possibly applying for some low or zero
percent interest balance transfer credit cards, inevitably the debt begins to rise all over again!
Why Credit Card Debt Keeps on Creeping up on YOU!
There are several reasons why credit card debt keeps on creeping upwards; for a start on the
practical level credit cards come with very low monthly minimum payments, which means
that by the time the payments have become oppressive, the credit card debt is already out of
control. Secondly, the high interest rates quickly compound the situation; so that even a
small debt can easily turn into a large debt within a relatively short period of time.
Furthermore, if you are thinking about how to get out of credit card debt, do remember,
that denial plays a big part in this issue of credit card deb. We cannot blame the credit cards
for all of our woes; after all, we are the ones who have misspent on our credit card in the first
place.
And this leads onto to possibly the most serious consideration for any debtor who is
wondering how to get out of credit card debt, because society tells us to spend money,
spending money is part of the financial subsystem which we live in and taking up debts is an
extension of this process! In a society where debt is the way of life, it can be difficult to find
the demarcation line between useful debt and wasteful debt, and it is necessary to learn the
difference, if you want to escape from your credit cards debts forever!
While some debt may make sense, such as an auto loan, if it means that the car will help you
live a better life, not just because the car looks good. Or a home loan would be another
good example; educational loans are another good example of positive debts. So debt used
in the right way is leveraged, which helps you to progress with your life.
However, if you are seriously wondering how to get out of credit card debt, and you want
to keep out of it, then the most vital step that you can take is to avoid loans and credit card
expenditure whenever possible. So paying for your groceries on your credit card is a bad
idea, as too is the yearly holiday’s expenses. If you take up debt, it should be as a form of
leverage to progress forward with your life, and not a fantasy tool whereby you buy stuff
which you couldn’t really afford in the first place!
The Secret Behind Credit Card Debt – Copyright 2012 – http://www.CreditCardDebtSecrets.org

3. What follows are some good tactics which will help you. However, do keep in mind the
points raised above, that it’s not just tactics which are necessary to free you from credit card
debt, but rather your attitude towards money!
None of these tactics will help you in the long-term unless you get real about how much you
need to live on, how much you earn and how you are going to make ends meet. If every time
you see something which you like, and you go into credit card mode, than all these tactics
will be as useful as filling your gas tank up with tap water!
So take a look at the tactics below, and remember, get real about your finances and only
sign up to debt if it will help you in your life!
How to Get Out of Credit Card Debt - Some Handy Tips!
1. Stop using your credit card, unless absolutely necessary:
If you want to get reduce your credit card debt, it is vital that you stop using your credit card
for a while, until you repay the debt. However, if you are also wondering how to get out of
credit card debt and stay out, then it is very important to restrain yourself from using your
credit card, even after you have cleared these debts. So using your credit card for everyday
items such as gas and groceries is a bad precedent which can easily result in a regression
back into credit card debt, so avoid using your credit cards, except for really necessary
purchases!
2. Work out a budget and live within that budget:
Strange though it may seem, a great many people do not know how much they spend per
month. If you are seriously interested in working out how to get out of credit card debt, then
the it is a must that you figure out how much monthly expenditure is required to make ends
meet. Then attempt to get rid of excess expenditure and use some of this money in order to
quickly settle debt. Also because you are budgeting, it means that because you have some
extra cash to hand there will be less of a temptation to fall back onto the credit card.
3. Either snowball your credit cards or sign up to a debt reduction plan:
If your credit card debts are not too serious, and you want to know how to free yourself of
credit card debt with budgeting, then simply snowball your credit card debt reduction. This
requires you pay off minimum payments on all but one card. With one credit card you pay
considerably more than the minimum payments in order to settle credit card debt quickly.
Once this credit card is paid off, then roll over that payment onto the next credit card and so
on with all of your cards.
The Secret Behind Credit Card Debt – Copyright 2012 – http://www.CreditCardDebtSecrets.org

4. This strategy works well for fairly small debts. However, if you want to know how to get out
of credit card debt, and your debts are getting out of control, then seriously consider signing
up to a debt reduction program such as credit card debt consolidation or credit card debt
settlement.
4. Whatever you do, don’t stick your head in the sand:
If you want to know how to get out of credit card debt, and you want to stay out of it, then it
is necessary for you to understand that you have gotten yourself into this debt problem
because of a mixture of poor financial decisions combined with some level of financial denial
on your part. While you may be in debt now, it is possible to free yourself from this debt
scenario once you take stock of things and work out a debt relief strategy!
To sum up, the scenario for any credit card debtor who is pondering how to get out of credit
card debt, and who wants to keep out of it, it is necessary to understand that debt has
come about via these poor financial decisions combined and some degree of denial
regarding your financial reality. It is the denial more than anything else which results in a
resumption of debt. Because while you may free yourself of debt for a little while, unless you
take stock of your life and learn how to live in a sustainable way, then credit card debt will
always be just around the corner!
I know it is a difficult reality to face, however, if you want to get out of credit card debt and
you want to stay out of it, the only way to achieve this is by taking stock and making some
long term life’s decisions, and finally so stick to your new plans.
So if you really want to learn how to get out of credit card debt and stay out of it, then do
yourself a favor and do some research. Take stock of your situation. Then, aggressively take
action with a debt relief strategy which will not only free you of debt, but which will also
keep you out of credit card debt forever!
The Secret Behind Credit Card Debt – Copyright 2012 – http://www.CreditCardDebtSecrets.org