Americans carry, on average, $5,800 in credit card debt from month to month. People, that's crazy! Credit card debt you don't pay off at end of month is one of most expensive debts you can carry. Instead, why not take out a personal loan at a lower interest rate, pay off your credit cards and pay them off each month? If you can't summon willpower to pay them off and not overspend, cut them up. Seriously. You'll save a fortune in long run. Also, consider taking money from your mortgage if you have a felxible "draw down" facility and use that to pay off your credit cards... your mortgage will be one of cheapest forms of debt available to you. Of course, if you do this and then go back to overspending on your cards, it will land you with more and more debt, so ONLY take on cheaper debt to pay off more expensive debt. You'll save on difference between two interest rates.

Finally, please seek advice from a qualified professional before taking any action or not taking any action related to your financial matters. The author take no responsibility for your actions.

3. Determine if company you are applying with is reputable – Ask yourself a few questions about website you are on. Does it look professionally made? Is there contact information available? What kind? On application or inquiry you are filling out, look in web address bar and see if page you are on starts with https:// instead of http://. The “s” means that page is secure. Is company affiliated with other companies? Did you find company from a recommendation from another site? Analyze these factors before you apply. They are not guarantees, but they can help you avoid submitting your information to companies or websites that are not legitimate.