A lot of people get stuck in credit card debt during the holidays.

As a new year begins, many of them are confronted with surging balances on their credit card accounts.

If this is a familiar situation, what can you do set yourself free from bad debt? Consider these tips:

Transfer your high rate credit cards.

One way to manage credit card bills more easily is to apply for a balance transfer card that offers a zero interest rate for at least 6 to 12 months. This way, you can buy more time to pay off your balances in installments without incurring additional APR costs.

When applying for a new card, see to it that you clearly understand the Terms & Conditions. Your goal should be to complete your payments while the zero interest rate still applies. Also, you want to find a balance transfer card with a reasonable rate even after the introductory period.

Focus on paying off your credit card debts.

Cardholders have the option to submit only the minimum due payment each month. But the more you prolong your repayment, the more at risk you are of getting stuck in bad debt. If you prefer not to transfer balances, focus on paying off your highest rate debts first and work your way down.

Put your credit cards at halt

. Avoid using your credit card for new purchases while you still have unpaid charges on your account. If you must avoid shopping malls to fight the urge to buy, then do so.

Check your credit limit.

Before the holidays, set a limit on how much you can spend with your credit card. To be on the safe side, experts recommend not using more that 40% of your available credit.

Check your credit card statement.

Be sure to examine your credit card bills as soon as they arrive. If you can access your account online, then do so. Cardholders often complain of erroneous charges so if you don’t take the time to review your bill, you could be paying for purchases you didn’t even make.