In today’s society it seems one of the easiest things is to get a credit card and run up a debt to the stage that it is almost a right of passage for every young person after (or even before) they get their first proper job. It really is that easy to get yourself into financial trouble. While it is not a solution, you can get things under control by transferring money to a lower interest credit card and there are also 0 balance transfer around that allows you to transfer the money and pay more off the principal, not the interest thanks to their no interest rate.