Analyse your current financial situation. If your credit-card statements are showing rising amounts or if your savings are depleting or you only make partial or minimum repayments on the card then mayhap you are heading towards debt. Using advances from the card to pay back other liabilities is another bad sign. 

Transfer all your credit-card balances to a single card.  You end up with a single monthly repayment. This cuts back the bother of making assorted repayments and having to answer to assorted creditors’ queries. 

Assess your budget. Maintain a record of track of disbursals and see that you do not overspend. Prioritising is important. Know which of your necessities come first. 

Credit-card debt relief is about trying to find a mutually acceptable solution to both you  and the credit-card broker. Ideally, most financial institutions would want you to pay a certain fraction of the amount owed and then halt all relationship with the lender. This is a much better than prolonging non-payment and eventually leading to bankruptcy. 

Opt for a reputable counselor. Some will promise you anything you want only for us to leave you hanging later. 

Once you transfer your preceding debts to the new card, you pay a lower interest-rate and you will be able to pay off your total debt eventually. You will be using this new card not to make new purchases but to pay off your debt. 

Seek help from friends, relatives and even the world-wide-web to gather suggestions for the broker to approach for your credit card debt relief. 

Go thoroughly through the card details. There are some cards that charge zero-percent only for a year or so, and then start charging some interest on the balance. Pay as much of the balance as possible inside a year, and once again consider a balance transfer if your debt has not been paid off by that time.