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There are many people who think that spending a bit here and there would do no bad. However this is not the case as you have to be very careful when using credit card because once your finances get out of control, it would become almost impossible to get things back to normal. As you spend more and more, the debt grows rapidly over a period of time. In my views, people should only keep one credit card on hand in order to avoid getting into serious financial problems. Most of the people also believe that paying minimum amount monthly would not cause problems. They are wrong! If you fail to pay the entire amount of the bill then it keeps on piling up to become a larger amount. If you have been caught by credit card debt then debt consolidation is the right answer to your problem. This involves merging all your credit card debts into one so that you can better manage your debts.