Many people are often under a large amount of credit card debt, which when you factor in the high interest rates, you are going to likely fall behind on payments or stay in debt longer than you should. However, those who have seen their credit score fall as a result of credit card debt need to take steps to pay off that debt in order for them to begin repairing their credit history and raising their credit score.
Many people use either a credit card debt consolidation loan to manage their debt or they pay minimum monthly payments on all but one credit card and on the card not getting a minimal balance payment they pay more than a minimum payment until that card is paid off. They will then continue to pay down one card at a time until all of their credit card debt is paid off.
No matter how you choose to rid yourself of credit card debt make sure you do the research and weigh the pros and cons to be sure it is the right method for you. When you gain control of your debt, you have to use your credit wisely in order to build up your credit history. Using one card, preferably the one with the lowest interest or with the most or best credit history, make purchases that you can afford and that will reflect well on your credit.
If you set money aside for a purchase you are going to make on credit it will make paying the bill much easier when the time comes. Yet, make sure you are careful with your credit card purchases and only make planned purchases. If you put forth the work and time you will be able to get out of credit card debt and raise your credit score.