Another good strategy (which I just did), is apply for a card with an "interest free" introductory offer that also has a lower APR than a card you already have a balance on. I used this new card (11% APR) to pay off the other (22% APR) and I have 18-months interest-free to manage the same debt. Provides more money for my monthly budget which I'll use for buying silver while it's still cheap!