With every day that passes, credit cards continue to play very important roles in our lives. This is thanks to the convenience and handiness of the credit cards not to mention their ability to provide you with funds in an instant. The money you spend using your credit card for the most part is a loan that you get to pay at the end of each month. Unsurprisingly, cases of credit card debt have been increasing at an alarming rate. By following some strategies, it is possible to mitigate credit card. The strategies in question are summarized in the ACTNI approach.