Credit cards can be your enemy in addition to your very best friend and what they prove to be, it is dependent upon how you use them. They will be your friends for life use them and use them wisely and in emergencies and they will turn into monsters.Here are a few practical ways how you can pay off credit card debt:

1. Use your credit Card for emergencies it is impossible to quit using your credit card. But it is absolutely possible to use it only. Thus, step one is to stop using your charge card for luxury shopping, traveling, entertainment and eating out and focusing on its usage on absolute necessities like gas, groceries, .
2. Pay more than the Minimum credit card debt: Credit card companies are tricky men they tell you they are making life easier for you by paying just a small percent of your outstanding and they then charge you a whopping interest on the outstanding balance. The result is catastrophic you keep paying the minimum due and spending more and your debt keeps accumulating.
3. Require a home loan: Sure, the sub-prime market crash could have made choosing a house loan an onerous task but in case you have got a house and a good deal of credit card debts, then mortgage your house, have a low-interest loan and repay the high credit card debt. Bear in mind interest is that is and a deductible expense. Needless to say, the advantage is that this money is being used by you for repaying that monster credit card debt that is currently hanging around your neck.
4. Borrow from other Sources: if you do not own a house to mortgage, then look at borrowing together with your life insurance coverage or your own 401(k) plan. Remember this: if you are currently borrowing to repay credit card debt, then you should not start as soon as you square this up, splurging. Austerity measures and focuses on paying off the loan on your life.
5. Shift balances: Assess your credit cards and you will discover that some of them have a lower interest rate. Then change the balances from the cards, Should you have low interest cards.
6. Negotiate with the Credit card firms: If nothing else appears to be working, then it is time set the cards and to have a sit-down with your credit card company. Tell them if they want their money back they will need to restructure the Pay off credit card debt and that you are not able to pay the balances. Each credit card company will sacrifice something to receive their back and nine times out of ten they will plan a repayment deal that is fantastic.