People who are in credit card debt often have a card that the rate is about to increase because of the end of a promotional period.  Now the payments are about to get really big and perhaps they cannot make it.  The best thing to do is to pay it off but if you can’t do that then do a balance transfer.  You can find another card that has a 0% interest rate and if your credit is good you can then transfer from the old card to the new.  This will give you more time to focus on paying the debt off so you can live debt free.