Since getting into credit card debt is so easy, it doesn’t seem fair that getting out of it is so hard! However, if you stay focused and work at it, it is possible to get out of credit card trouble. Follow these steps and you’ll be well on your way!

Evaluate What You Owe – When you sit down and look at the reality of the situation, you can create a game plan to get out of it. If you go around paying the minimums on your credit card account balances, you’re only ignoring a problem that will lurk around for years until you address it. Figure out what you owe and create a budget to pay it off. Bankrate.com has many calculators you can use to set up different payoff game plans.

Check Your Credit Score – If your credit score is below 660, you need to work at improving it, so you can qualify for better rates on credit cards. By paying down debt and making payments on time, you’ll take some important steps toward raising your score. If you lock in a better card and a good balance transfer rate, you can often cut your interest rate in half or more. This will help tremendously since it will allow you to pay off the balance even faster.

Get A Better Credit Card Deal – Head to your credit union where they will work with you to get the best deal possible. Especially if you’ve taken the time to improve your credit score, you’ll have a good chance of getting a good rate. Explain the situation to your credit union and they will be able to work with you to find the right card for your particular situation.