I am now free of credit card debt. Now, a lot of that is due to cutting way back on spending, living below my means, and paying things down month after month for a looong, long time. A lot of it is also due to the $8000 tax credit I got for purchasing a home. That went straight into paying off what was left of the cards and then into an emergency fund. That emergency fund will hopefully help me meet my goal/life resolution of NEVER USING CREDIT CARDS EVER AGAIN. OK, I may occasionally use one again at some point in my life but only if I can for sure pay it off that billing period. I'd really rather just do my best to avoid them all together, because they are EVIL.