How to Get Out of Bad Credit Card Debt

Has this happened to you?  Avoiding the phone, screening calls, jumping whenever the door bell rings, and constantly feeling overwhelmed are just some of the symptoms of very bad credit card debt.  It can really make getting to sleep at night a challenge.

There have been a few times in my life where I had such bad credit card debt, that I was certain there were at least a few contracts out on me from Visa and Master Card..

Some simple things that have helped me avoid bad credit card debt have been reducing the freedom I have, to dig myself into a hole.   These easy steps may help you, too.

The first thing I did was cancel all my cards except one. It’s a lot easier to manage my credit when I only have one line to worry about. Also, I made a rule with myself to only use my card once a week; all other purchases I make have to be by check or cash, thus not adding to my credit card debt. While I don’t always follow it, little rules like this can help you avoid bad credit card debt in the future.