The two best ways to get rid of credit card debt are paying it off as quickly as you can or paying it off with a consolidation loan. If you want to pay it without a loan, you can try and negotiate a lower rate or switch it to a 0% rate card. Some borrowers will move their balances to new 0% rate cards when the 0% on their existing card expires. A consolidation loan can pay off your card or cards and give you one payment to manage monthly. A consolidation loan is a good way to tackle this problem since the rate will usually be lower, and you will have a predictable payment.