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How To Stop Using Your Credit Card And Eliminate Debt Forever

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Author: Dometri Quick

Are you tired of being held hostage to your debt? Use these simple solutions to pay down your debt and eventually eliminate it forever.

Cutting up your credit cards

Are you fed up with credit card companies? Are you having trouble paying off your minimum monthly payment every month? Do you wish there was some way to get yourself out of debt quickly and easily? Well, there is. But it starts with one simple step that will help change your life forever: Get rid of your credit cards!

That's right. While some people can live life with a credit and not encounter any problems, for others out there a credit card can become a dangerous crutch. You start off by paying a few bills off with your credit card when you come up short one month. Next, you're putting the family vacation on there, Christmas presents or even just some luxurious purchase. And, before you know it, you're maxed out and wondering how it got this far.

Before it gets too late—or before you even think about applying for another credit card—get rid of the credit cards you have now. By cutting them up, you'll limit future purchases and spending and help yourself stay out of debt. If you don't, you're simply setting yourself up for future troubles with the cards. This is the first step to staying out of debt and eliminating the debt you already have.

Consolidating your credit card debt

Once you've cut up your credit cards, it's important to immediately take the proper steps to reduce your debt quickly without harming your credit score. Credit card consolidation is one simple and easy way to start paying off your debt now in a more effective, less costly way than simply paying off the card every month.

If you were to make the minimum monthly payment on your card every month, it could take you years to pay off your total balance because of high interest fees. However, by consolidating your debt, you can start saving right away simply by making the move.

Consolidation works by taking all your credit card debt, rolling it into one easy-to-manage account and allowing you to attack it together. By doing this, you will also likely receive a much better interest rate on your debt and lower monthly minimum payments, meaning you can maintain your account for less than you would be able to without consolidation and you'll be able to make payments that actually put a dent into your debt.

For those who want to know about other options, debt settlement might also be right for you. You can opt to make a large payment on your total debt for a discounted price provided you can afford to make a lump sum payment right away. Either way, you'll save yourself thousands of dollars in the long run.

Watching your debt slip away quickly

No matter what option you choose when you consolidate your debt, it's important to remember that paying down your debt, not accumulating more, is something that will make a positive impact on your life.

Remember all those sleepless nights you've encountered as a result of credit card debt? Remember when you wanted to buy a new home but couldn't because your credit score was too low? Remember when you tried to score a new job before your potential employer noticed the blemish on your credit report?

No matter the reason, eliminating debt is a great way to change your life. It's easy to apply for credit card consolidation and even easier to start saving money while doing something good for your life. Get started now and see the difference right away.

About the author: Dometri Quick is the development director at You can find more articles for helping you eliminate credit card debt at

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