Consolidate your debt

If you have several credit cards, a really effective way to make it easier to get out of debt is to consolidate all of your balances on just one card. Again, all you need to do is just ask. When you are negotiating with the credit card companies to lower your interest rate, tell them that you are prepared to move all your credit card debt to the company that offers you the lowest rate. What is low? Well, smart negotiators allows do some research first. In this case, go online to www.bankrate.com or lowermybills.com or check the business section of your local newspaper. See what the national average is for Credit Card Company what it is offering to customers like you who are willing to consolidate their debt. Let them try to sell you. You may find that in order to get all your business, one of your credit card companies will offer to waive all interest charges for six months. If so, he careful, ask them what the rate will be in the seventh month and remember it. I may jump to 25 percent in which case you will need to move once again to new card company. Of course, the game here is not credit card debt stuffing. It is finding the lowest rate you can and then following the next three steps to get yourself out of debt completely.