If you have a credit card and use it regularly, you probably dread getting your monthly bills in the mail. You may be thanking the powers that be for your credit card during a shopping binge at a midnight madness sale, but come collection time, this little piece of plastic becomes the object of your curses and dirty looks. If you need a little help paying off your credit card debts, check out the tips in the slide show below.

Read these other articles for more money advice:

• 10 Tips on Using Your Credit Card Wisely
• Budgeting 101: 15 Tips for Wiping Out Your Debts
• No More Credit Woes: 5 Tips to Subdue Your Inner Spendthrift
• Gotcha! 12 Tips to Protect Yourself from Credit Card Fraud

(First published in the January-February 2010 issue of Good Housekeeping, Good Money section as "Finally...Freedom!;" adapted for use in Female Network)