The obvious answer is not to use your credit cards, but wouldn’t it be nice if it were that easy? There is no single solution on how to reduce credit card debt starting today, or successfully developing a strategy about how to get out of credit card debt permanently. Here are three important steps: First, only use credit cards as a last resort; Second, if you must, use a credit card with the lowest interest rate and focus on paying off your credit cards with highest APRs (Annual Percentage Rates) first; Third and most importantly, make your payments on time to avoid any late- or over-limit fees. Working with an InCharge Debt Solutions certified credit counselor can help answer your questions about how to reduce credit card debt and find the “right answers” about how to get out of credit card debt permanently.