Any effective way to wipe out credit card debt is going to begin with the same type of advice.  If you are not willing to stop using your credit cards in order to wipe out credit card debt then thanks for reading and good night.  If you are serious about wanting to wipe out credit card debt, and you can stop using your cards, then you can continue.  What you do with your cards once you wipe out credit card debt is up to you.  If you want to start using them again and do this cleansing exercise every couple of years then that is your choice.  Many people do that and as long as you are not getting yourself in over your head then you should be able to repeat this cycle of running up credit card debt only to wipe out credit card debt indefinitely.  If you have that kind of self control then personal finances will be easy for you.  But there is a practical and effective way to wipe out credit card debt and it begins with putting the cards away.

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