If you're constantly worrying about how to get out of credit card debt it can be more difficult to feel confident about your finances. Do not ignore your statements, schedule some time each month to be able to check your balances and payment dates. To be able to pay off debt wisely, you have to make a realistic plan, borrow with caution, and make the minimum payments on time. If you are having trouble making your payments, reach out to your lender to explore hardship options, rather than missing payments. Don't cancel a credit card just because you have to pay less.Don't cancel a credit card because you have to pay less. There may be a sense of control if there's a clear plan. If you were about to lend this piece of advice to a friend or family member who wished to get rid of their credit card debt and also stop worrying about it, what would you say?