If you have too much debt on your credit cards then this document has some good advice for you.

1. Some Very Effective Debt Management Techniques
Summary
The temptation to use credit cards to make ends meet is becoming overwhelming as
people struggle through the current financial downturn. Here are some useful tips to
become debt free quickly.
To be able to manage your debts successfully is one of the most complicated tasks in the
world. Credit cards are essential in order to have a smooth existence as they make the
purchase of various items a lot easier. However, the bills which pile up following credit
card use can be anything but convenient. Often, you may find that you are unable to
repay all the money which you have used through your credit card. If you want to know
how to deal with your debt issues, you need to keep some debt management help ideas in
mind.
Ask for Lower Interest Rates And Create Tables For All Cards
One of the debt management help ideas that you can consider is to call all the companies
from where you have obtained credit cards and ask them if they can provide you with a
lower interest rate. If the rate of interest is lower, then you will be able to pay your debts
a lot more quickly as well as efficiently. This is because once the rate of interest gets
reduced you will be able to pay more towards your outstanding balance to the credit card
company. Consequently you will be able to dispense with your debts sooner than you can
imagine. Another debt management idea which you can consider is to create a table
which represents all of the credit cards which you own. For all the cards, you should list
the card names as well as the interest rates along with current minimum payment, due the
dates and the current outstanding balance. If any of these cards have differing interest
rates, such as lower interest rates for purchases or higher rates for cash advances then you
need to list the highest rates that are being charged. You have to then add up all the
minimum payments that you are making till you arrive at the total amount of all the
payments to be made. You can add any additional money which you can afford to pay
towards your credit card to this amount. As you keep adding more and more amounts, the
sooner you will find that you can actually pay off your debt. Your credit card worries will
be put to bed.
Pay The Minimum Amount First And Then The Remaining Part Of The Total
Outstanding Amount
Another good debt management idea that you should definitely consider is to ensure that
you pay the minimum amount due on your credit cards every month without any delay.
After that you can pay off the remaining balance on the card which has the highest rate of
interest. If you do this then your debt management issues will be resolved very quickly.
Once you have paid off the balance of the card which had the highest rate of interest, you
can proceed to pay off the balance of the card whose interest rate is the second highest.

2. Resource
No matter what your current financial position is you can always get debt management
help and our site is full of good advice on how you can reduce your debt liabilities.