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Most of us aren’t immune to the evils of credit card debt. We typically find ourselves in credit card debt when we don’t know any better (and don’t understand the cost of high-interest debt) and/or when we’re struggling financially for some reason.
Also, be careful not to use this new card as an opportunity to spend more.Here’s a further breakdown of the various (non-DIY) options you have when it comes to getting help with your debt.Like the idea of an app to help you get rid of debt?Cutting up the cards and swearing off credit for good works for some people, but not me. And really think hard before canceling your credit card account. If you have tried everything and still find yourself struggling to pay off your credit card debts, then I encourage you to turn to the right people for help. The credit counseling industry is full of scammers and fraudulent people.Avoid these types by going to the National Foundation for Credit Counseling and seek out one of their members, a Consumer Credit Counseling Service.