Call up your credit card issuer and ask them for a rate reduction, they are not guaranteed to give you one, but it does not hurt to ask, you can always give them cheaper examples of other card rates and say that you are thinking of switching. If you have no luck talk to their supervisor, even a small rate reduction can make a huge difference, getting a reduction of 3% on $10,000 can be worth $300 a year.
      Put your card hidden away so that you have to make a real effort to use it. That way you won’t be tempted to use it. Ideally credit cards should only be used for online payments (for the payment protection services) and should be paid off every month, as they are normally the most expensive type of credit you can find. At least keep it out of your wallet, unless you have the requisite willpower not to use it.
      Remove your credit card details from online accounts and when paying make sure to select the option not to save your credit card details. This will give you an extra pause before you make an online purchase. This works well in conjunction with putting your card hidden away, giving you that extra pause before you by the latest abs blaster which is 100% guaranteed to work or your money back.
      Give yourself a strong visual reminder of your debt this will help to keep it in your mind, you can either do this on paper and keep it up to date every month, or get an application to automate the procedure. This will help you to focus on your goals of increasing your wealth so you can spend on what you truly want and not debt servicing so someone else can profit by your hard work.
      Consolidate your debt into one or a couple of sources. Consolidation only really makes sense if you can be a significantly lower interest rate on the consolidation loan. If you can then it can be a good way to cut down on expenditure, and it also lets you decrease the management that is required by having so many outstanding loans.
      Get on an automatic debt repayment plan often times especially for student loans if you go on the automatic repayment plan then you can get a rate reduction. This also is great as it cuts out the hassle of having to make the payment. Also consider just consolidating your student loan to a lower rate if possible.