<human>:  How do I get out of credit card debt?
<bot>: The best way to get out of credit card debt is to start by creating a budget that includes all of your income, expenses, and debt payments. You should also look into transferring your balance to a credit card with a lower interest rate, see if you can receive a reduced balance through debt settlement, or consider exploring debt consolidation options. Once you have organized a plan of attack, make sure to pay more than the minimum payment each month and be consistent with your payments until your credit card debt is paid off.