If you are really struggling with making the repayments on a card then please contact your card issuer as soon as possible. It is often possible that while blocking the use of your card to avoid further debt they will come to a repayment arrangement with reduced interest terms for a short period to help you out. If they do not know you are having difficulty they cannot help.

If your credit rating will not allow you to follow the techniques described you should visit the website in my signature link to address the problem and repair or re instate your credit score. Credit repair is possible and can help you to regain your standing with credit companies.

Credit cards in themselves should be used as detailed above for convenience and for the benefits they can provide, they should not be used as a form of borrowing to help you live day to day. You can only benefit from the use of credit cards as part of an overall financial plan and budget.

I used to have multiple serious bad debt and an appalling credit history and credit score. I have been through the mill and around the block several times and now through hard work, study and perseverance i understand the credit system and bad debt in a way only someone who has been there can. My pet hate is credit repair and debt consolidation companies who want to rip vulnerable people off by selling them a service that is not only simple to do by yourself but you achieve better results. All thats needed is some information, encouragement and knowledge!