How do I get rid of debt? – A questions that is asked by a folks around the globe. What is the answer for people who (unfortunely mostly due to uncontrolled spending) landed into the lap of this behemoth called ‘Credit card debt’. What are the steps to eliminate credit card debt? If you are wanting to eliminate credit card debt  congratulations,  you are already halfway to your goal. Your decision to eliminate credit card debt is the first and the most important step towards being able to eliminate credit debt. Having said that, it is important to mention that you need to stick to it with complete sincerity and seriousness, until you finally eliminate all your credit card debt (and even after that). To get rid of credit card debt, you need to plan. This starts with a long hard look at your current situation in terms of your debt and finances (current and as expected in near future). So to get rid of credit card debt, you need to first check the amount you owe on each of your credit cards. Use a notebook to record the amount you owe on each credit card and the corresponding APR associated with it. Once you have this information completed, you can total up the amounts to get the total amount of your credit card debt. After all, you can’t eliminate credit card debt if you don’t know how much it is! Next, see if you have enough cash handy e.g. in your bank accounts, which you can put to use to pay off credit card debt (of course, you will need to take a view on how much cash you will need to fulfill your day to day and specific future needs). If you find that you have enough to get rid of credit card debt completely, just go ahead and pay off your credit card debt and earn your peace of mind. However, if you can’t pay off your credit card debt completely, check the amount that you can use to get rid of credit card debt partially. Next step, as you must have guessed, is to check how best you can use this amount to pay off credit card debt (even if partially) i.e. which portion of credit card debt should you eliminate first. So, first focus on the credit card which has the highest APR and which is hurting you the most. Then look at the credit card  which has the next highest APR and so on and so forth. If you are incurring additional late fees etc on some of your credit cards, you might decide to reserve some amount to make minimum payments on those credit cards (before you finally pay off credit card debt on them). What we have seen is just some basic analysis and first steps on how to get rid of credit card debt. You might need to take some other steps to pay off credit card debt e.g. consolidation of credit card debt. However, it’s imperative to understand that any and all methods to eliminate credit card debt will fail if you don’t begin to control your spending habits.