You should always strive to use credit cards wisely. Anything more than just a little credit card debt should be avoided because the more debt you have the more difficult it becomes to get out on top. However, it's even harder to manage credit card spending in times of economic hardship like the current credit crunch.

Tracking your money should be something you should strive to do all the time, but it is especially important to watch your spending when the economy is down. These tips will make your dollar go farther and help keep you from a financial crisis.

Credit card debt is the ball and chain that keeps many people from being able to achieve their financial goals. Learn four things you may be able to do to lower your credit card interest rates and get out from under your credit card debts.