Credit cards debt is the result of the inability of an individual to pay the minimum balance on their credit or credit cards. Depending upon the extent of your indebtness to the specific company, credit cards debt can be a minor or a major financial problem. Having active use of more than 1 credit card increases your chances of credit cards debt. Faced with the situation of multiple credit cards and increasing debt, it becomes necessary to reconsider your approach to finances. In particular, you have to reexamine your use and abuse of credit cards. It will be necessary to prepare a financial plan. When in a situation of credit cards debt, you may also wish to consult with various services designed to help alleviate or remove credit cards debt. This includes, but is not restricted to, debt management services, debt relief programs and debt consolidation services.