Credit Card Bill----Help

No I don't, my hubby and I know when to say stop and draw the line while using our cards. My hubby is very good with finances and he knows when to stop. We have a good rule, when we go on trips and use credit cards for all the expenses,we come back and till those cards are paid off we don't go on any other trip. The card is then used only in emergencies. This way at any given point we are virtually debt-free. You should know when to set a limit and say enough!

The interest rate for credit card bills is no joke. I hope you are already curbing unnecessary spending. You might try to transfer your credit to another card/bank if it gives a better option - many times this is the case and there are always promotions. Or take up a loan if the interest for that loan is lower. Think about it - it makes more sense to service a new loan with lower interest rate.