Tips to clear your credit card debt
Fix a budget for reducing your debt. Work out how much you can pay off each month and set up a direct debit to pay that fixed amount. Pay off the debt with the highest interest first. Pay the minimum on each card/debt and then throw as much as you can afford on the card with the highest rate. Get the interest and rates frozen. Explain your situation to the card company and persuade them to stop applying interest and penalty charges. Use your savings to clear debt. You would be surprised with the number of people who have large debts, while also hoarding savings. Cancel the payment protection payments on your card. This will save you a ton of money. Do not miss payments. You will get a penalty fine and interest if you miss a payment, and a bad mark on your credit record. Cut up the card and use a prepaid card instead. There is a fee for using these but you can only spend what you load up on to the card.