Many of us have credit cards and most of us repay the full balance each month in full. However, there are those who only pay off the minimum balance or pay off less than the full balance each month. By doing this they are paying interest on the money that they are borrowing and this can really add up to make the credit card quite expensive. Therefore it can be worth considering ways to reduce the cost of the card, which will mean reducing the debt on the card. Stop using the card The first sensible thing to do is to stop using the card for a while. If you…