Credit cards Things to consider
The best way to reduce debt is to make more than the minimum required payments. When possible, make cuts to your budget so you can put those funds toward your outstanding balance. If you have debt on more than one of your credit cards, most people find it easiest to focus on the card with the lowest balance first. You can also shop around for credit cards with lower rates to which you can transfer balances from higher interest cards. Do not wrack up more debt, even if you have a lower interest card.