4. Try to use cash instead of credit card: Credit cards have become an addiction to many people nowadays and hence they use it every now and then. Do you rely on your credit cards for all your expenses? If yes then stop immediately. This can make you fall in trouble and can pile upi your debt burden later in future. Try to spend less and avoid buying unnecessary items that will help you save more at the same time. Cut out extra expenses, like eating out regularly, paying for useless mobile services and shopping unnecessarily. Try to use credit cards only during the time of emergencies otherwise use cash to make all the payments.

5. Call you creditor: If you have been paying consistently then, call up your card provider, and make a request of an interest rate reduction or new monthly repayment schedule so that due dates fall after you receive your paycheck. Consumers who shift their payment due dates can always allocate their income more effectively and ensure to make payments on time. Give it a try as you have nothing to lose by requesting for these concessions.