Stop credit card debt by taking some simple actions toward clearing up individual credit. Credit cards are a major problem not only in the United States but all over the world. Materialism has taken reign over reasonable living, and it would do many people well to recall Proverbs 22:7: "The rich ruleth over the poor, and the borrower is servant to the lender." There is a way to prevent excessive debt, but it will not happen overnight. However, with patience and hard work one will start seeing results quickly.