allisoison kosik, people were bg out there. >> this is something a lot of us can relate to. if you said "charge it" too often and went on a spending binge, the reality will soon hit your mailbox. how do you tackle the debt? smardcredit.com says try to attack the balances as soon as possible. with the average interest rate on some retail credit cards close to 25%, every month you don't pay off your balance you are throwing away your money. he says pay off your retail cards first but pay on the others. >> 2012, don't open any more lines of credit. >> you may be tempted to open other credit cards but you should really just say no.