Credit cards can be flexible, and permit you to buy things even when you do not have cash available to spend.
Credit line increases are given freely provided you make your payments on time.
The more cards that you open, the more offers you get from other companies.
If you are looking to eliminate your credit card debt, the first thing that you will need to do is take stock of the situation.
Do not set the bills aside and put them off, as this will often make your financial situation worse.
Even by paying the maximum amount due, you won't bring your debt down by much, because you are only paying off interest, not really decreasing the underlying balance.
Take a close look at the things you buy on a regular basis that you can really do without.
Eat meals at home rather than eating out.
Pack your lunch to take with you to work.
Make your morning coffee at home, instead of stopping at the local coffee shop.
Spend more time at home in the evenings, invite friends over for dinner and a movie.
Most importantly, stop using your credit cards.
It is unlikely that you will get them paid off if you keep on using them.
Whatever it is you wanted to buy can wait until you have the cash to make the purchase.
Organize your bills in order from lowest balance due to highest.
Work toward paying each debt off while making the minimum payment on each of the other accounts.
This is a slow process, but it is effective and will keep the creditors at bay for another month.
Once the lowest bill has been paid off , you can start on the next lowest bill.
Each month, your debt will become lower, freeing up more funds with which to pay off bigger chunks of your debt.
That, in turn, will further reduce your debt, freeing up even more funds for the next month's bills.
Calculate the amount of money that you will save by cutting out non-necessities, and apply that money to your debt each month.
By making cutbacks, you will be able to make a considerable dent in your credit card debt.