(PRLEAP.COM) March 5, 2014 - On February 24, 2014, Credit Card Consolidation Loan published an article on their website that sought to educate consumers who want to change their credit card habits. The debt relief website believes that getting out of this type of debt requires discipline. Regardless of how negatively it is portrayed, the real culprit in having too much credit card debt is not the card itself but how consumers have used it.

That being said, the article titled, "4 Steps To Help Change Your Credit Card Habits," provided consumers with a procedure that will help eliminate the bad spending habits when using this purchasing tool.

The first step is to identify the change that has to happen. Is it the number of credit cards that the consumer owes? Or is it the habit of shopping after the paycheck comes in? These habits have to be identified so they can be isolated and further scrutinized.

The second step revealed by the article is to find out the craving associated with the habit. The article explained that all habits become one because they are done repeatedly. The reason why it is repeated is because it positively satisfy an inner craving of the consumer. For instance, shopping with credit cards may help ease the work stress felt by the consumer. Once identified, the consumer can find other means to satisfy the craving.

The third step is to define the triggers. These can be a person, an event or a feeling. Anything that precedes the habit - that is the trigger. The consumer is advised to do something about these triggers so they can view them differently. That will help them react differently - and not seek out their credit cards.

The fourth and final step is to have a plan in place to avert the usual credit card habit. The article explained that the consumer has to reprogram their mind to change their money mindset. That way, they will remove their reliance on credit cards.

The article revealed how Americans are spending too much on their credit cards. This means that the debt problem is not the fault of the card - but the habits associated with it. To view the specific credit card habits that has to be changed, click on this link: http://creditcardconsolidationloan.org/4-steps-to-help-change-your-credit-card-habits/.

Credit Card Consolidation Loan help consumers get out of debt through debt consolidation loan. They also offer informative articles on their website that can help with self-help financial literacy. Visit their website to find out more about solving debt problems.