I have experienced credit card debt problems but have been lucky enough to get out of it in six months. First, I had to strike a deal with my bank as so not to increase my monthly interest payments. Then I worked 2 jobs and just allotted all my income from my second job to settle my debt. I really got exhausted handling two jobs and with so it wasn’t too difficult to go out less and so spend less. Gradually, I found that I did not need to spend so much and instead the satisfaction of buying things was replaced by the great feeling of being able to pay off my debt. Lastly, I switched back to a credit card that has low spending limit. I am sure anyone can do the same just as long as they are determined to do whatever it takes.