<prompt> Human: The intrest rate on my credit card bill has finally hit. i had 12 months intrest free . Now Im looking at a huge monthly bill. Im trying to get myself out of debt and have no idea what to do or where to start. ANy help would be greatly appreciated.  <response>: Make more money andor spend less money. This is why you should never buy something on a credit card that you cant afford to buy in cash. 