Develop a plan to pay off your credit cards. This calculator will show you how to do it as quickly and cheaply as possible.

Move all of your credit card debt to a cheaper card. Taking advantage of deals that charge 0% interest on balance transfers is a sure way to pay your credit card debt off faster. We've got the best cards for balance transfers.

Consolidate your credit card debt into a home equity line of credit. You'll pay a much lower interest rate and the interest you do pay will be tax deductible. See how much you'll save.

Curb your credit card spending. We know how easy it can be to plunk down a credit card and figure, "I'll just pay it off tomorrow." But somehow tomorrow never comes. Here are 6 smart moves to help you keep the "urge to splurge" under control.

Carry the right cards. If your wallet is jammed with bank cards, store cards and gas cards, you've got too many. Using only the best plastic will save money, time and aggravation.

Get out of universal default. If you're suddenly paying 25% or more on your credit card debt, getting out of this should be your top financial priority. You'll have to call and negotiate with your credit card company -- never an easy task. But we can help you get ready, prepare to ask the right questions and anticipate how the customer service representative will respond.

Enlist the help of a good credit counselor. If you're in serious trouble, you need a professional who can get your card companies to forgive some of your debt and negotiate a realistic repayment plan for the rest.

Use your tax refund or tax rebate to pay off your credit cards. Just lowering your debt will save hundreds of dollars a year in interest payments.

Improve your credit score. We can show you where to get free credit reports and how to correct errors and raise your score high enough to get better rates on all types of consumer loans.