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Avoiding Credit Card Debt
America's most problematic financial concern is credit card debt.  In 2002, U.S. consumers accumulated over $400 billion in credit card debt.  Credit cards lead people into hardship for a few simple reasons:

• Generous spending limits.   Although large credit lines may seem to be benefits, they lead customers to charge more than they can afford to pay back.  Consequently, they receive overwhelming bills at the end of each month.
• Low monthly minimum required payments. After charging purchases to the point of the credit limit, consumers often meet only their monthly minimums. Failing to pay off the balance on a card will build interest fees, inhibiting your chances of becoming debt free.
• High APR. If a credit card's interest rate is 18% or greater, transfer the balance from the high interest credit card to a card with a less expensive rate. Without such crippling interest, you can direct payments toward your balance and eliminate your credit card debt.
  
  Since credit card debt is so common and so difficult to eradicate on your own, you should consider the assistance of debt relief experts. They can negotiate with banks to reduce interest, and they will provide credit card debt relief in just a few years. Learn to use credit cards responsibly and a weight will be lifted from your shoulders.