Pay for the credit card bills with the highest interest rates first.
Investigate any opportunities to transfer your existing balances to a card with a lower interest rate.
Pay your lowest balances first to completely remove some of your debts.
Keep records of income and expenses and try to keep your debt-to-income ratio under 20 to 30 percent. Try to pay more than the minimum required on your credit card.
Pay your bills on time. Even if a company allows a grace period, don't use it.
Do not apply for any more credit cards that you don’t need. Calculate and figure out the total amount you owe creditors.
Own between two and four credit cards. Fewer cards shorten your credit history; more cards indicate that you are financially stretched.
Keep away all of your credit cards. Try to pay for your shopping with cash until your credit card balances are paid in full.
Review credit card statements and credit reports for errors.
Use your debt card instead of a credit card.
Request copies of your credit rating and credit score from different companies, because each company may have different information. If the information on either credit history is wrong, correct it immediately.
Set goals. Set a realistic budget and reduce your spendings. Once you've achieved them, reward yourself with small indulgences.
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