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Reduce Credit Card Debt

How to reduce credit card debt.

If you're carrying high levels of credit card debt, you're not alone. After the recent downturn in the economy, many have found themselves with high credit card balances and seemingly no way to pay them off. To reduce credit card debt, some are forced to take second jobs or work overtime, and many feel like they have no chance of ever getting out of debt.

If you have more money on your credit cards that you want and don't know how to reduce credit card debt, American Consumer Credit Counseling (ACCC) can help. We're a non-profit organization dedicated to helping people reduce credit card debt and provide help getting out of debt to individuals and families throughout the U.S. If you're asking "how do I get out of debt?" and are ready to reduce credit card debt, contact us today to speak with a certified professional and schedule a free, no-obligation evaluation of your financial situation.

What are the steps I can take to reduce credit card debt?

At ACCC, we design an individualized program to help you reduce credit card debt and live debt-free in the future. Our professional and certified counselors will work with you to:

  • Assess your financial situation. We'll take stock of all the money you owe as well as your monthly income and expenses.
  • Create a debt reduction budget. We'll work with you to set a budget that you can live with, that will also allow you to reduce credit card debt more quickly and become debt-free – usually within five years.
  • Consolidate your debts. Debt relief consolidation is an important part of debt management. By consolidating all of your unsecured debts – including money you owe on credit cards, department store cards and other unsecured personal loans – you can make one payment each month to ACCC and we will make disbursements to your creditors on your behalf. That means you'll spend a lot less time making payments to multiple creditors and worrying about keeping up with your bills.
  • Work with your creditors. We'll talk to your lenders and work to possibly reduce the interest rates on your cards and loans, as well as the late fees, over-limit fees, and the time it takes to pay the debt off.

Learn more about how to reduce credit card debt and other financial matters.

When you work with ACCC, you will have access to a wide range of educational resources that include newsletters, self-directed study programs, personal consultation and our website. You can learn more about how to reduce credit card debt and stay out of debt, the pros and cons of credit card debt consolidation loans, and more.

For individuals and families trying to figure out how to pay off debts, American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, credit card reduction and consumer debt management services for consumers nationwide. Our certified credit counselors provide financial education for anyone wanting to learn how to get out of debt and how to eliminate credit card debt. As alternative to expensive debt restructuring services and credit card debt consolidation loans, our debt management plans are a kind of credit card relief program that have helped thousands of people pay down credit card debt by consolidating payments and reducing interest rates and finances charges. We also offer bankruptcy counseling, housing counseling and other financial education services for help getting out of debt.

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