If you are like millions of Americans, you are in credit card debt. Many are several thousand in debt and interest, late fees and penalties result in balances rising, rather than decreasing. Paying the minimum balances on your credit cards will never get rid of credit card debt. In order to get out of credit card debt, you need to pay more than the minimum. However, many people are so deep in debt they can’t even afford to make the minimum. The worst thing you can do in this situation is to ignore the problem.