I know all too well the pitfalls of credit card debt. You have two or three major cards and a few gas cards and you are living off of paying back the interest each month and that's about it. It's an awful hole to get stuck in but you can help yourself get out of it through debt consolidation.

What is Credit card debt consolidation? This is where you consolidate a number of cards into a lesser amount of cards. In the end you only want to have one or two cards at best. Basically you are doing a balance transfer where you transfer your balance on one credit card to another credit card. You will be getting a new Credit Card with a lower interest rate and using it to pay off the other cards with their much hight rate. You can also do this by getting a loan from your bank and pay off the cards at once and then work on paying your bank loan off. The interest rate from them has to be lower. I did this one once myself.

Find a 0% interest card offer and sign up for it. You then pay off your other higher interest rate card with the credit from the 0% card. Easy enough. Not really, you have to read all of the fine print and make sure you understand the terms, make the min payments and any other stipulations of the card. If you can do this you can get that bad debt paid off in no time.