Being in debt is extremely stressful and if you feel as if you are drowning under an insurmountable amount of it, it can be downright depressing. Credit Card debt is the most insidious. That piece of plastic in your pocket gives you the ability to spend beyond your means. Furthermore, the cost for using that ability, the use of their money, carries a very high rate of interest. The good news is there are things you can do to get a handle on it and improve your credit situation.