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If you don’t mind staying on hold on the phone for a while, call up your credit card company and talk to them about lowering the interest rate on your card. Tips: Have a competing card in mind when negotiating.

By lowering your interest rate, you’ll be lowering the amount of money your credit card company is adding to your debt each month. If they resist, tell them you are likely going to switch to using a different card and just pay this one off. If your balances and interest rates are big enough, consider transferring your credit card balances to a card with a 0% promotional interest rate.

To speed up your credit card payoff schedule, bring in some extra cash by selling your stuff on Craigslist, Facebook, e Bay, or a site like Decluttr.

Also, consider having a garage sale for even quicker cash.

Here are some helpful tips to help you reduce your credit card debt and to help you avoid going into more debt in the future.If you don’t have junk to sell and you’re serious about reducing your debts, then consider taking on a second job or find a way to make extra money to really help with your finances.Use the extra funds towards reducing your credit card debt much quicker. If you get a bonus at work or find some unexpected money somewhere, also use those funds towards your debt.You can enlist the services of the Pay Off Debt app to help you get rid of your credit card debt.Alternatively, an app called Tally will help you manage your credit card debt payoff with the help of their technology and a line of credit. If you need to be motivated by a quick win, consider using the debt snowball approach.

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