The use of credit cards is among the most wide spread in the world, and most people at least own a single card. It has become extremely easy to procure a credit card, and many people like the convenience of credit cards. It is however a very surprising and also shocking fact that many people are not even aware of what the interest rate charged on their credit is. Many people are not even aware of the compounding of interests and other technicalities.It is maybe this widespread ignorance about Credit cards that is the reason for a whole range of people struggling for credit card debt relief in the recent years. So many people not knowing but still using credit cards have lead to many of them landing up with sizable bills, and then having to struggle to pay up. If you are one among those who are finding it difficult to pay off your credit car bill or bills, may be the very thing for you. There is even a list of tax deductions in rare cases.This is a form of Debt relief and is suitable for anyone having a high interest debt. There are a number of types of these available, and there are a number of steps that you have to follow regarding these. The most important benefit of these Consolidation loans is that they allow you to consolidate all your credit loans and pay them in total once a month. There are some steps to be followed though for a Credit Card debt relief.Steps to FollowMake a Debt Consolidation ListMake a list or plan of whatever debts you are to pay back at present. Get your bills out as well as the TransUnion, Experian and Equifax credit reports. This will help you identify errors related to identity theft and other issues. This will help you getting a good credit rate. Also check for a list of tax deductions you may be eligible for, more the dollars saved, the better.Do a bit of shoppingScout for the best debt relief you can find, there are a number of decent options on offer. Home Equity Loans and lines of credit are known for offering the least rate of interest as well as having a list of tax deductions in some cases.Cash out refinancing- is a way you can take a new mortgage on your house that is more than your current mortgage.Personal Loan – If you do not own a home, you can use personal loans for debt consolidation.Time line- Decide when you are going to pay off, and commit to a time line.Reduce spendingIt is perhaps an important thing to state, that the purpose of these consolidation methods is to reduce whatever debt you have as well as managing it properly, and not to increase the debt you have.