It will not be a surprise if you are currently tottering with credit card debt. You may be searching for ways to tackle your debt. One of the major things you can do to lower your debt is to exercise discretion in your credit card usage. You should not carry more than one card with you at a time. In addition, you should not use that card unless some emergency situation arises. You need to realize what an emergency situation is. It is one in which you were involved in an accident and you are looking for medical care or your wife has caught up with a serious illness. If you keep restraint for a period of time, you can get back to normal very soon.