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Credit cards add up, paying back the debt is more difficult than charging the card. A very good first step is to figure out your weekly income and your weekly debt, then cut up your credit cards and put the debt on one credit card. Once you have consolidated your bills, stop going to the mall and wasting money and begin making your clothing or black bedding purchases online. Determine the minimum amount due each month and multiply that by two to determine how much you need to pay back each month. If you need to set up a system to not miss your payment deadline, than do that next, because missing a payment can result in further debt.