Do you owe between $5,000 - $10,000 on your credit cards OR MORE? Do you find it difficult keeping up with your monthly credit card minimum payment? Do you wonder how people finally get themselves out of debt?

I was one of those people a couple of years ago. I owed $7,000 in credit card debt and simply could not get ahead. Every month I found it difficult to make my monthly minimum payment. I finally swallowed my pride and asked for help from friends and family how they got out of credit card debt and I was amazed by the advice I received. They all had tidbits of wisdom to share with me and now I want to share my experience and expertise on how I did finally get out of credit card debt.

The first thing I did was I sat down with my credit card statements and laid them out on my desk. I had three cards with about $2,100 on each card. I then called each credit card company to ask for a lower Annual Percentage Rate. Because I always do pay at least the minimum payment on time each month all three cards lowered my APR. I never thought of requesting my APR to be lowered and was nervous making that first call but I got over my fear and was so happy with the results. Don't be nervous. If the credit card companies want to keep you business they will do business with you.

The very next thing I did, I laid out all of the "Special Transfer Offers" I received in the mail. Every week I receive at least one offer from a credit card company. I read through them and found one credit card company which offered me "No Transaction Fee AND 0% Annual Percentage Rate" for twelve months. Wow, I was in static. I then visited the credit card company that offered me the "No Transaction Fee AND 0% Annual Percentage Rate" online and filled out the form. You can also choose to call but I chose doing the transfer online. The "Special Transfer Offer" gave me a credit line of $3,000. I transferred one credit card total of $2,100 and transferred another $900 from another card.

Taking the time to review my credit and taking advantage of the "Special Transfer Offer" I got out of debt faster than I ever could have if I keep paying the minimum payment with a finance charge.

I then transfer the rest of the money I owed to another "Special Transfer Offer" which offered no transaction fee BUT offered a "2% Annual Percentage Rate" for nine months. Transferring the rest of the money I owned to a 2% APR also helped me pay off my credit debt.

In addition to taking advantage of the "Special Transfer Offers" I adjusted my credit card habits. I did not use my credit cards for a whole year. It was hard but I needed to pay off the debt I accumulated. I simply got feed up being in debt.

I'm sure you have heard on TV companies who can help you consolidate you credit card debt but keep in mind they are going to charge you money to help you. There is no need to pay someone to take control of your finances. You can do it yourself and doing it yourself teaches you how to stay out of debt.

I hope my experience and advice helps you understand how you can take control of your finances and get out of debt.

Please feel free to leave comments here if you are someone who has additional ways to help people get out of credit card debt.