Credit Card debt is the inability to keep a positive balance on your credit cards. The amount of debt can range widely according to how many credit cards you have and whether you can catch up on your monthly payments. Before you slide further into debt, it is essential to pay off credit card debt. This may result in cutting back spending and funnelling your extra money into reducing your credit card debt. It could also involve more drastic measures. This could involve some form of financial counselling. If you wish to pay off credit card debt, you may also have to turn toward some form of debt relief. This could be credit card debt consolidation or credit card debt settlement. You may consult a credit repair business or a debt management firm. Your plan to pay off credit card debt will depend upon your individual situation, specifically the nature of the debt and your ability to repay it.