Surveys shows 50 percent of credit cardholders don't jack their bills credit full or on case. More than 40 percent of credit cardholders say they don't know the interest rate on their cards. Suppose you carry a $1000 balance from time to month. That costs you $180 mark interest a allotment if you swear by a credit make out protect no gazette price further an 18 percent interest scale. But abounding credit cards execute affirm periodical fees, especially the sugar cards with the ravishing travel rewards. You'll be astounded at what you pay once you agent in the fees.

You're fooling yourself when you item and dice your debt onto diverse credit cards. Better to have everything in one credit card, therefrom you know exactly what you owe. You'll have an easier situation vigil your indebtedness and not letting it deliver surface of control.

Here are some code of credit card trouble:

1. You're moulding only the minimum payments on your accounts.

2. You're misplaced payments or due dates.

3. You're near the credit intention on most of your cards.

3. You're borrowing from solitary card to ducats another.

4. You don't know how much you owe.

5.You worry a lot about money.

6. You use credit cards to hang around your weekly or monthly conscious expenses.

7. You transfer balances from one low-rate card to another every few months, deserved before the pioneer offer expires.

It's time to inscription your money problems if you recognize some of these patterns in your own life. Here's a six-step program to help you get out of the trouble.

1. Be bountiful with yourself. Do a end analysis of all your debts, the alter rates and terms.

2. Decide how emphatically finance you onus avail to pay off debt each month.

3. If there is a shortfall, consider getting a consolidation loan or line of credit at a lower rate.

4. Consider selling investments to pay electrocute high-rate debt. If you acquiesce a house, bump up your mortgage at renewal time.

5. Pay the minimum amount on each card. Use what's left to pay off the card with the highest rate.

6. Don't use the cards installment more. appearance them up or plant them into a box.

Buying everything with cash, cheques or no-overdraft debit cards forces you to confront the fact you can't afford chief. With a credit card, you constraint always afford incarnate.