Submitted by: Olivia Andrews

You are a credit card user and your credit card debt has reached to unexpected levels providing you most inconvenience then it is important that you learn how to use it effectively so that no one abuse the credit cards and pay them off easily.

You need to consider these following credit card debt elimination tips:

1. You have to be aware of all the included fees associated with your credit card and therefore you need to know the annual fees, current interest rates, finance charges, cash advance fees and any other fees that is included along with your card because this will help you to make better decisions while managing your cards.


2. You should get cash advances when it is most necessary because higher interest rates are charged and most of the banks usually charge a service fee that is related to how much cash you withdraw.

3. You should look out for credit cards that could offer lower interest rates. Low introductory rates could be helpful if you want to become credit card debt free so you should look for credit cards offering lower intro rates and then you can transfer the balance from your previous credit card to that credit card. The thing to consider here is that after the intro rate has expired, the new card offers you a less interest rate or the same.

4. Most of the finance experts agree that the most common mistake credit card consumers make is the minimum payment because saving lots of money on interest to get debt free goals sooner shall pay you more than what is required each month.

In short, it is very true that to get into the credit card trap is very easy but to get out of it is not as simple. You can even contact your credit card company so as to try to get your interest rate lowered or some different payment plan to be worked out.

About the Author: Olivia Andrews, writing for

is a freelance journalist and has written many reviews on subjects such as finance, education, health, entertainment, music, gifts, crafts, travel, apparels and mobile phones.


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