Credit card debit is very serious for some folks. Get a handle on it with these tips. Focus on one card Take it one thing at a time. Make real progress and pay off one card first. Which card you target first depends on what your goal is. Ask for lower interest rates As long as you have a good credit score, it's possible you get a percentage point or two shaved off, which can add up to hundreds of dollars saved annually. Transfer your balance This is a risky solution. Real Simple says to try this "only if you’re committed to paying off the debt within an introductory low-interest-rate window." Start making minimum payments This will shave off money a few dollars in interest annually. And if you can, try making two monthly minimum payments, which would settle your debt in a fraction of Re-evaluate your current expenses This one is crystal clear: As you begin to develop your plan, start looking at bills, as well as what you spend
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