In Kentucky, many consumers turn to credit card debt to pay for things they may not have the cash to afford. While some credit card purchases are strategic to get points or cash back, others are simply poor decisions that can lead to bankruptcy, excessive debt and overwhelming stress. For those who do are concerned about credit card debt and want to avoid the problem, FindLaw has a few simple solutions.

The simplest solution is for the person to not buy things that they cannot afford. Credit card debt is often caused by living beyond the person’s means and overspending. Those who cannot pay for something in cash or pay off the credit card balance at the end of the month may want to wait to buy the item.

Consumers should also avoid cash advances, which are offered by many credit card companies. Often, these advances have higher interest rates, no grace period and additional transaction fees. No grace period means that the interest begins the day the advance is taken, even is the card if paid off at the end of the month.

Creditcards.com also suggests that consumers get a lower interest credit card when possible. Some cards have excessively high rates and make it almost impossible to pay them off when the minimum payment is made. The better the applicant’s credit, the lower the rate they will be offered in most situations.

One final thing to consider is that while balance transfers sound like a great idea and are tempting, the benefits do not last forever. In most cards, a six-month period is typical before the transfer rate expires. At this point, the interest is figured on the new balance. Many consumers end up paying more for their purchases simply because of the fine print and changes in interest rates.