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.

You should save up an emergency fund and try to never use a credit card unless it is tied to your checking account. Credit cards will drive you into debt but sometimes you have no choice. Should you find yourself in that situation you should look for low interest credit card. I found a site called creditcardsclub.com that does a real nice job of comparing the different type of credit cards. This site will allow you to research credit card offers from many companies. Discover, Visa, MasterCard and American Express are all there with different types of plans. Once more I want to caution you that credit is to be used very cautiously and not as a means to live beyond your income. A site like this one gives you all the facts and is a benefit to consumers who need to keep informed before they commit.