Credit card debt is a problem for many people and is a major contributor to personal debt. Funding your lifestyle with a credit card is easy but the hard part is paying it off and clearing the credit card debt.

Temptation is all around and offers of credit cards come through the mail on a regular basis. However, before you give in, you should decide whether you can trust yourself to use it wisely.

If you are someone who has a history of overspending and building up Credit card debt, it might be easier in the long run if you exercise some self-control and tear up the application.

But if you trust yourself not to get carried away with your credit card, you will still benefit from following some simple rules to keep you on the straight and narrow.

The first and, perhaps, most obvious thing is to choose your credit card carefully. You should look for the best interest rate you can. That won't be easy, with literally thousands of cards available on the market. However, the internet is a good resource