How about at 12 midnight on the 31st December you cut up your credit card into 12 pieces, and bin it. You will then not have the temptation to buy anything with it, and can focus on clearing the debt. Make no mistake it can be very hard, especially if you rely on it for bills etc, but you'll find that if you haven't got it, and you can't afford a bill on a particular day for say electricity, all it means is that the electricity company has to wait until you are paid. The big utility companies etc must love the fact everyone has credit cards because it means they get paid when they want and do not have to wait until people have money to pay them.
Credit cards are not a 'service' they have been designed to leech as much money out of lenders as possible. They have interest rates set at a level so people never pay them back. Notice when the Euro crisis was happening they mentioned about countries like Greece getting bonds at 7%. This was the level of interest the journalists was saying was the limit before countries would not be able to pay back the debts, a credit card typical interest will be 18%, so clearly they are at a level that the financial press have let slip is way beyond a rate that can be paid back. They are a monumental rip off and if I was PM they would be banned from Britain!
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