If you are looking for some solid credit card balance reduction advice such as: how to beat credit card debt without resorting to a baseball bat and a bad attitude to do it, You should consider enacting these simple personal credit card debt reduction policies: Stop using your credit cards immediately; if you do not have the cash on hand, do not make the purchase.
If you have more than one credit card (who doesn't?), find the one with the smallest balance and work to pay it off by making the largest payments you can on it.
Pay only the minimum on your other cards if you have to; just make big payments on that one.
Once the balance on that small account is gone, take the amount you were paying on it and apply it to the card with the next smallest balance.
Continue in this fashion until all the debt is gone.
Stay committed, focused, and attentive.
It is hard to live without credit cards, but when you are finally able to live without that giant debt monkey on your back, the rewards are well worth the effort.
Negotiate with your creditors.
You would have to be living under a rock to not realize that the economy is not in the best shape it's ever been in right now.
Your credit card issuers understand that, and most are willing to work with you to secure a reasonable repayment plan rather than risk not getting any of their money at all.
Do not take out a consolidation loan unless you absolutely must.
Most people do not have the willpower necessary to avoid the temptation of getting another credit card after transferring that debt to a different loan.
Credit card debt reduction can be simple, but it also requires willpower, especially if you have a lot of debt to get through, but the above steps are definitely examples of how to effectively beat credit card debt once and for all.