@Riddhy,
don't use cc if u duno how 2 control..
and for those who hv cc problem.. there's few way 4 u 2 settle ur problem..
it's juz depends ur ability..
if u think tat u can settle ur cc in a short term... i would suggest u 2 take bt.. cos the charging is vy low... some bank oni 1.5% for 6mths.. some is 0.48% per mth.. but hv 2 careful the t n c lar...
if ur hole is damn big.. then u can get a pl.. of course the interest rate wil b higher compare with bt.. but stil lower than normal cc interest..