When stuck in credit card debt, some people rush into wrong actions that only put them in a far worse situation. When dealing with credit card debt what kind of actions should be avoided? Consider these:

Get a payday loan to pay your credit card debt. Payday loans are accompanied with high interest rates and if you can’t pay back by month’s end, you’ll only start building up a brand set of debt.

Taking out cash advances from your credit card. Do you take out cash from one of your cards to pay off your other credit cards? If you do, you’re just burying yourself to more debt because of the instant APR on cash advances.

Using your retirement savings to pay off your credit card debt. Don’t feel tempted to tap in from your 401k fund to pay off debt. If you do, you will be charge with 10% fee for prematurely withdrawing your funds plus additional taxes.

Obtaining a home equity loan to pay your credit card bills. Using your home equity to pay off debt is an option considered by many. Although this could work, it is a very risky move. The worst thing that can happen here is you’ll lose your home.

Carelessly transferring balances to another credit card. Using a balance transfer credit card can work but only if you know how to use it correctly. Once you’ve transferred over your balances, you have to do your best and complete your payments before the zero-interest period ends. Otherwise, you could get stuck with a card that has an even higher APR than your former.