Credit card debt is the hardest to control the interest on if you suffer a change in circumstances!
This is because the credit card companies are really waiting for you to suffer a change in circumstances, once this happens you may miss a monthly payment or fall behind and be charged for late or missed payments in return.
It is near impossible to catch back up unless you are being paid twice for one months work, this does not happen to most people.
If you are struggling with payments on your credit cards you need some sort of financial advice. Credit card debt is the largest problem in most peoples finances and if dealt with correctly it can be resolved. You should take advice quickly if you think that you are falling into credit card debt and make the most of the time on your side.