ACP Certified Member Keith Spencer was quoted in CBS News in an article titled "5 ways to tackle your credit card debt before the holidays", sharing how you can start dealing with your lingering credit card debt issues: "The first thing I would look at is to see whether you can consolidate debt to a lower interest rate. If you struggle with debt, then rather than trying to benefit from using credit cards, it would be better to stay away from them completely after paying them down."