Getting out of credit card debt takes time and can be intimidating if not sure how to go about it. Taking the time to reorganize your money and finding the best deal for you can be time consuming but in the long run it is so worth it.

Don't pay some consolidation company to get you out of debt. Those companies make it sound they will help you but realistically they charge you one huge interest rate per month. That is how they make there money. Learn to do it yourself.

A while back I wrote a Hub called "Credit Cards and Money" and many Hubbers thanked me for sharing my experience getting out of credit card debt.

Below are a some links to Online Credit Card Companies which you can apply right online. No need to call and answer a hundred questions.

creditcards.com
Search by credit quality. Excellent credit, good credit, fair credit, bad credit and limited or no credit history.

Smartbalancetransfers.com
At Smart Balance Transfers, you can compare a wide selection of 0% APR balance transfer credit cards from leading banks and use our balance transfer calculator and articles to help you save the most money possible when you transfer a balance online.

creditcardguide.com
Take advantage of 0% introductory APR's on purchases and balance transfers for as long as 12 months.

cashmoneylife.com
Best zero percent balance transfer credit card offers.

Bestcreditoffers.com
A huge list of credit card companies which offer 0% APR, 0% transfer rates, low rate card offers and so much more.

If your someone who is not in debt but looking for the best rewards from credit card services, all of the links above bring you to the credit card website where you can view the rewards offer. I have a Discover card and I pay off my Discover card each and every month. I earn reward dollars and I simply use them to pay off my balance a couple of times a year. It's like receiving cash.

Tip: Lets say you are approved and receive your new credit card. After a few months of paying the balance down give the credit card company a call and ask for a lower APR (annual percentage rate). Many credit card companies will lower your APR because you have paid your payments on time.