How to pay off credit-card debt faster
If you carry a balance and make only the monthly minimum credit-card payment, erasing the debt will take years. A faster way to retire debt is to pay the monthly minimum plus a set additional amount. To design your own comfortable repayment plan, visit www.bankrate.com. Click on “credit card calculators” under the “calculators” banner, and then the “what will it take to pay off my credit card?” link.

I Where to find a credit counselor
If you need a credit counselor to help you reduce credit-card debt, consider looking at the Association of Independent Consumer Credit Counseling Agencies (www.aiccca.org) or the National Foundation for Credit Counseling (www.nfcc.org), whose members are supposed to uphold specific standards.