You could try to pay your way out of debt, but if you don't change certain spending habits, you'll find it close to impossible to become debt-free. One of the first things you have to do is tally up your debt and come to grips with what you owe. Learn four other habits to change before you try to get out of debt.

More Articles:

• How to Calculate Your Total Debt
• How Much Debt is Too Much
• Debt Diet eCourse

Credit card offers are written to entice you to apply and some of the wording is a bit exaggerated. CardRatings.com has a list of the 8 Most Deceptive Terms Used in Credit Card Offers and I definitely agree with the list. I've seen quite a few of them on credit card offers, especially "0% Fraud Liability" and "Helps Build Credit."

You can't believe everything you see in a credit card offer. The truth is buried in the credit card disclosure. That's where you'll find the truth about the APR and credit card fees.

When it comes to rewards credit cards, I'll take cash over points any day. If you're looking on your own cash back rewards card, you might have a hard time finding a generous cash back program. A lot of great rewards credit card deals have disappeared ever since the Fed put out rules that limit the fees and interest rates credit card issuers can charge.

Fortunately, we've done the work for you and found a few of the best cash back rewards cards deals out there. The cards that made the top 5 list are not only good for cash back, some also have great balance transfer deals and low interest rates on purchases. Check out the Five Best Cashback Rewards Credit Cards.

More on Rewards Credit Cards:

• How to Choose a Rewards Credit Card
• 7 Things That Make a Rewards Card Unrewarding
• More Cash Back Rewards Credit Reviews

I love shopping but I dread the question nearly all store clerks ask now: "Would you like to save 10% and sign up for our credit card?" I used to let them down gently and say I already had the card, but preferred not to use it. Now, I just say that I'm not interested in a new credit card.

Store credit cards are relatively easy to get if you're just starting out with credit or you're rebuilding a bad credit history. But, they may be a little too good to be true. Store credit cards aren't all they're cracked up to be. They have high interest rates, low credit limits, and don't help your credit score as much as you'd think. That's just a few negative things about store credit cards. Find out 6 Drawbacks of Retail Store Credit Cards to help you choose whether to keep these cards in your wallet.

Related Reading:

• Tips for Using Store Credit Cards (if you choose to have one)
• Where to Get Your First Credit Card
• How to Choose a Credit Card