Debt management for credit card debt involves paying twice the minimum payment each month and making sure each payment is sent in on time. Late payment fees account for the most credit card penalties, with billions being paid each year in late fees. Try to send out your monthly payment at least a week in advance, and make sure you check with the credit card company to see when the payment is posted. If you have more than one credit card then you will want to pay off the one with the highest interest rate first, as this is the one that will cause the most debt to accumulate if left unchecked. If you are serious about eliminating your credit card debt with proper debt management then you may want consider a balance transfer card that will let you consolidate all of your credit card debt onto one card with a low interest rate.