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There is a little known secret floating around the credit card industry.
If you are a credit card customer who is having problems paying down your bill statements, the easiest way to get back on track isn't by trying out those debt relief programs on television offered by unknown companies who may swindle you out of every last dime that you have. The best debt relief programs might just be available through your own credit card company.
That's right. Your own credit card issuer who has been calling you and sending reminders that your bill is overdue also has internal hardship programs to help people who are in this very predicament. The reason you haven't heard of this might be because you aren't seriously behind on payments (6 months or more) and you have been sending in some type of payment to bring down the balance.
Check your credit card statement. Many have the direct number to the internal hardship department that offers these programs. The programs have various names depending on the company, but most offer the same thing. The credit card issuer can lower your minimum payments, lower the interest rates, offer settlements, or get rid of fees and penalties. Choose the right program that won't put a strain on your finances, and always leave room for negotiation. You'll be surprised on how quickly you'll get out of credit debt.