• Make it difficult to use your credit cards – Some people literally freeze their credit cards in their freezer. It means that they still have the credit cards in an emergency (plumbing breaks or other such disaster), but they aren’t likely to use them for a random purchase on the home shoppin network.
• Call your credit cards and try to a lower rate – Believe it or not this often works. I think that credit card companies are afraid to stick you with too high a rate for fear that you’ll transfer your balance to another card with another company. Of course you could always bluff that you are if they don’t give you a lower rate. It can’t hurt to try, right?
• Transfer to a card with a lower rate – You can often find a credit with a lower rate without looking too hard. Sometimes you can get 6 months of paying zero percent. That’s a big win and may allow you enough time to catch up. Remember the credit card treadmill that I talked about in the first paragraph. This is like putting that on pause.  If you go this way, check out these credit card reviews.
• Sell Some Stuff – This may hurt, but when you are paying a lot of interest, you are spending money and not getting anything for it. It may be time to admit the mistake and start doing whatever is necessary to get yourself out of it. Sometimes you have to sacrifice to become a millionaire.

It’s not going to be easy. For many getting out of credit card debt takes a long time. You need to focus and concentrate on just doing a little better each day. As you start to see progress, you’ll be empowered.

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