Americans now owe more than $1 Trillion in credit card debt, and the average family owes over $16k! If you are one of the many Americans struggling with credit card debt, then these tips are for you. Credit cards can be a nice way to build credit if managed properly. Ideally they are used and paid off each month, but if you have found yourself in a situation where the debt is getting out of control follow these tips to reduce spending to start paying that card off.