Few things evoke fear in people like the mention of credit card debt. How does credit card debt come about? When you starting getting late on your monthly credit card fees or you are unable to service your credit card obligations, the debt starts to build up. Insurmountable financial woes usually follow promptly after this. The good news is that most credit card companies will listen to your situation and help you come up with a solution if you explain it to them. Good communication with your card provider can even help you access lower interest rates on your credit card. You can learn more about this and how to deal use credit cards wisely.