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Transfer To A 0% Card If You Have Massive Debt
Find a credit card with a 0% introductory balance transfer APR offer. If you have thousands of dollars on your card, then the bulk of your payments don't go to paying down your balance, but interest. This will ensure that you pay your credit company thousands of dollars extra and will take you years to get your balance down to zero. 

Make the switch and focus all of your attention on clearing your debt while you have your APR grace period.