To lessen and eventually eliminate mounting credit card dues, here are some tips you should remember. (1) Know your bills. Take time to tally up all your bills every month. This will give you an idea of the level of spending you have every month. Be sure to include auto-debits and online spending. Organize each item as to what credit cards you are using for what expense, and also determine the balances and the interest rates you pay on each card. You now have detailed information on your credit cards, the level of spending you do with regards to each one, and the balance you maintain. This will make sure you don't go overboard. This will all come in handy when you decide to transfer credit card balance from one card to another. (2) Negotiate for a lower rate. Now, look at those credit cards charging higher interest rates. Be sure to get in touch with each of these companies and talk to their customer service operators about lowering your rates. You'd be surprised at how easy it would be to get a lower rates. Be polite, but also be clear that you can and will take your business elsewhere if they don't grant a lower rate for you. Sometimes, it helps to talk to a supervisor because they have more authority and could give you a better rate. (3) Search for a new balance transfer credit card. Do some research on companies that accept credit card balance transfers. Basically look for credit card offers that offer a low introductory rate and a longer introductory period. Credit card balance transfer gives you the opportunity to save on finance charges and the lower interest payments, and concentrate on paying the loan itself without the additional charges. What you do is to transfer credit card balance from one that charges a higher interest to one that charges a lower interest for a certain period of time. The idea is to pay off all the debt, or a major portion of it before the introductory period ends and the real APR is charged on your loan. Be sure to read everything on your terms though, because with the credit card balance transfer fees that some bank charge, and the misleading advertised interest rates, it's easy to end up paying more than what you would have expected to pay. (4) Pay in cash. You can always avoid using your credit cards. If you don't use it, you certainly cannot abuse it Leave your credit cards at home, if you need to take a bigger amount of cash, you a debit card. That way you can limit your spending on the things you can really afford, and not on things that you think you'd have the money for later.