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If you don't have savings to pay off your debt, then you can apply for a new credit card at a lower rate. There are many cards offering low introductory rates for the first year and they allow you to transfer your balances. You can take advantage of those low rates, then after a year, when they go up, look for new introductory rates...
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However, if things aren't looking quite so good, and all of this sounds too hard to achieve right away, at least take a look at your interest rate. If you carry a balance from month-to-month, that interest rate is your most important consideration. If your rate is 18% or higher - that's the average nationwide - you're probably making things tougher on yourself than they need to be...
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Citibank: Launching the Credit Card
Credit Card Debt in America
Credit Card and it's effect.
credit card ethics
The commoditization in the credit card industry
Unethical Credit Card Practices
Credit Card
Alice In Credit Card Land
Credit Card Debt
Credit Card Epidemic
Getting Out and Staying Out of Credit Card Debt
Who Can Stop Credit Card Abuse
Credit Card Addiction
credit card secrets
Electronic Credit Card Payment Technology
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