Credit card debts can be very problematic for your financial life because of the high rate of interest they charge. The amount of interest and penalties keep on accumulating very fast. If you don't make payments, the debt can take a horrible shape within just a couple of months. The best way to avoid getting into such situations is to stop using credit card. You should at least stop using it when you are already drowned in debts. Here's how you can do it.

Don't Carry Credit Cards With You
When it comes to dealing with credit card debts, the first thing that you have to do is to stop carrying your card in your wallet. Don't throw it away, but pack it in a tight envelope and put it somewhere in your home or office - and forget about it. If you keep carrying the cards with you, you will always have the temptation to use it. When you are facing mounting debts, it is always wise to rely on your ATM card. Use it to get cash only when you must make a purchase or make a payment for something. This will make sure that you are not over spending. You will be spending in a limit because you know that there's limited cash in your bank account.

You Don't Have To Compromise With Your Convenience  
When you stop using your cards in an attempt to deal with credit card debts, you may not necessarily have to compromise with the convenience credit cards offer. Check your last credit card statement and identify the bills you always paid with your card. A good alternative now is to set up an automatic ACH debit system for all those bills. This way, you wont miss your card much.

Get Rid Of Multiple Cards
Most people usually carry more than just one credit card - thanks to telemarketing calls and the alluring offers that every company makes these days to sell their cards. Do you really need so many cards? This is high time you must realize that carrying so many cards is one of the major reasons of your mounting credit card debts. So, cancel all your cards except one. There's nothing bad about having just one card - only if you know how to use it wisely. However, now that online banking services like paypal are becoming rapidly popular, you probably can manage without a credit card. The decision is up to you.

Balance Transfer  
These days, many companies offer zero percent balance transfer programs. You may like to shop around and see if you qualify for such options. If yes, you should go for it. Transfer all your credit card debts to just one card. However, before you do that, it will be a nice idea to pay off as much balance on your various cards as you can.

Remember, you cannot cancel the card without paying off the balances on it or without transferring its balance to another card.