For years, I didn’t have credit cards because I had majorly screwed up my credit and had gotten in over my head. Now, I’m financially responsible and use credit cards for everyday purchases – and pay them off as I go. I avoid paying interest fees because I pay the charges off before interest accrues; it’s the best way to use credit cards in my opinion. If you’re looking for ways to pay down your credit card debt, take a look at this infographic brought to you by They’ve broken down the steps to becoming credit card debt free in an easy to read infographic: