Negotiate a Debt Settlement - how do i eliminate credit card debt ?

how do i eliminate credit card debt ?

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pay your bills as often as possible for instance pay the max instead of the m in.
if you pay the minimum due every two weeks, this will prevent paying a huge amount of compound interest that is combined when you only pay monthly. This will also aid in paying off your credit card debts rather quickly while saving a huge amount of unnecessary interest debt. "There is nothing more powerful than compound interest" - Albert Einstein
Pay more than your minimum balance. As much as you possibly can!! If you have any 3% or 4% transfer deals that last for the LIFE OF THE TRANSFER - go for it. This is the best way to deal with large debt. One thing I can say - from experience - Don't go crazy on spending to try to create a credit history for yourself. small purchases and paying them off is all it takes. If you are already in big debt - stop using your card and just use cash - if you can't afford what you want - then wait until you can afford it. But try to hold off and use that money towards paying the CC debt. I opened up my first cards like 13 years ago and didn't know what I was doing. I used to buy all kinds of stuff on them just because I was trying to help myself to grow my credit. Well I found out the long and tedious way... that this is not a good idea. After 10 long years of buckling down and being on a strict budget we are finally out of debt. I never missed payments and always remained in good standing with my creditors. After paying off the $57,000 we are now DEBT FREE! Now I use the credit card the way it was really designed for.... to not have to have cash on me at the time but to know that I can pay it off in FULL when that bill comes. Credit is not ment for living beyond your means - it is a tool to be used wisely. So many people out there now-a-days live way beyond their means - in that they put everything on credit and then pay the minimums. If you can't afford to buy it today with the cash in your account - then you just can't afford it! If you adopt this attitude you will keep yourself from alot of heartache and mountains of CC debt. Good luck & be smart about using your CC :)
Try and consolidate and get as low of an interest rate as possible. Samuel Blankson has written many books on debt. You should look into it.