It must be a rule posed to yourself that credit cards must only be for emergencies. If you are usually spending with the use of your credit card, do not be shocked to find your credit limit too high. The credit card companies are tracking your expenses so do not fall for this trick. The science of debt elimination simply talks about your certain planning and determination to eliminate it from your system. Being able to observe the results of your hard work will motivate you to keep on following the debt elimination program. 2) Expertise - A good debt elimination program should be developed by people who know what they are doing. You need a debt elimination program that is formulated by experts. Before you try out the debt elimination program, you need assurances that the program will be able to help you manage your finances. Although the internet has been developed into a highly mobile technology, it still cannot beat a book when you need comprehensive information regarding something. Books are also easily accessible. When you want credit card debt elimination information, you can just go to the local library to access it. This means that it aims to help you start from paying off your small debts slowly, and working your way up to the big debts with increasing speed. How is this done? 1) List all of your debts in order from lowest to highest - This will help you see your goal clearly and allow you to plan. Listing all of your debts will allow you to evaluate them in an orderly manner and this will enable you to plan your debt reduction and elimination strategy clearly. Many people are surprised when faced with the fact that there are people today who are able to live complete lives without resorting to debt. Some of these people just manage their finances better. Other people may have had debts but were able to make use of credit card debt elimination to free them from their liabilities. However, the disadvantage of this type of credit card debt elimination program is that it takes a longer time and a lot of discipline to follow it through. 2) Negotiation - A common credit card debt elimination program used by people is to negotiate with their creditors to forma a payment plan which can be easier on them.