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    Credit cards can be a nice convenience but they can also get you into a lot of trouble. If you have charged your cards up to the limit and are now having a hard time paying the bills you are not alone. Statistics show that the average credit card debt for each household in the U.S. is $4,800 per month. Also, there were 1.3 million credit card holders declaring bankruptcy in the year 2003.

    There are a couple of things you can do to help yourself get out of debt. The first thing, of course, is to stop using your credit cards! If you can’t control your spending, then cut them up or put them away somewhere where they are not easy to get to. Of course, it is a good idea to carry one with you in case of emergency, but if that means you will use it to ruin your credit it may not be wo

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    rd time paying the bills you are not alone. Statistics show that the average credit card debt for each household in the U.S. is $4,800 per month. Also, there were 1.3 million credit card holders declaring bankruptcy in the year 2003.

    There are a couple of things you can do to help yourself get out of debt. The first thing, of course, is to stop using your credit cards! If you can’t control your spending, then cut them up or put them away somewhere where they are not easy to get to. Of course, it is a good idea to carry one with you in case of emergency, but if that means you will use it to ruin your credit it may not be w

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    ere 1.3 million credit card holders declaring bankruptcy in the year 2003.

    There are a couple of things you can do to help yourself get out of debt. The first thing, of course, is to stop using your credit cards! If you can’t control your spending, then cut them up or put them away somewhere where they are not easy to get to. Of course, it is a good idea to carry one with you in case of emergency, but if that means you will use it to ruin your credit it may not be w

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    first thing, of course, is to stop using your credit cards! If you can’t control your spending, then cut them up or put them away somewhere where they are not easy to get to. Of course, it is a good idea to carry one with you in case of emergency, but if that means you will use it to ruin your credit it may not be w
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    easy to get to. Of course, it is a good idea to carry one with you in case of emergency, but if that means you will use it to ruin your credit it may not be worth it!

    One step you can take to pay off your credit card debt is to practice what is called debt stacking. You must be very diligent in this, but it is a good alternative for someone who is not eligible for a debt consolidation loan.

    With debt stacking, you first create a list of all your monthly credit card debts and order them from smallest payment to largest. Pay the minimum on all these debts and apply any extra towards the smallest payment. When that card is payed off, apply the amount you were paying on that to the next smallest debt.

    For example, say you're making $75 payments to a small debt. When the d

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