Reduce Credit Card Debt Rule #1: Decide When You Want to Be Out of Debt
You have to have a goal, so decide exactly when you want to get out of debt. If the goal is to get out of debt within two years, three years or five years, you need to move forward in your debt management plan with that idea in mind.

Reduce Credit Card Debt Rule #2: Use a Program to Help You Decide What to Pay Each Creditor
All of the legitimate debt management agencies use computer programs like Microsoft Money to determine how much to dole out to each creditor. While these programs are a little expensive (usually $100-$200), they’re well worth the price as they will tell you exactly how much to pay every month, as well as how long it’ll take you to get out of debt and boost your credit score.

Reduce Credit Card Debt Rule #3 Negotiate
Believe it or not, but most credit card companies are willing to negotiate interest rates if they know it means they’ll be getting their money back especially when the borrower has poor credit and has missed payments in the past. So call up your credit card companies and explain your situation to them. Ask them to lower the interest rate, and if they say no, ask to speak to their supervisor and then ask them. You should be able to get most, if not all, of the credit companies to lower the interest rates which will help you to get out of debt faster.