The latest studies have shown consumer credit card balances have gone back to the same level as at the end of the last recession.  Vice president of Freedom Debt Relief, Kevin Gallegos said, "After a recession, we frequently see credit card levels drop as individuals become smarter and more conservative about spending."  He also commented, "We also have observed the U.S. personal savings rate climb to 6.4 percent in June, after reaching all-time lows earlier in the decade. Sometimes, however, spending and debt will increase as conditions improve. It is important for people to remain vigilant to keep credit card debt manageable."

During the last quarter, the median credit card debt fell to its lowest since 2002.  The average credit card debt carried by consumers is currently less than $5,000.  Delinquencies in credit card payments has also fallen drastically showing a change in consumer financial habits.

Still, Gallegos suggest American consumers should continue to pay off their debt and have several suggestions in doing so.

One straight forward way to reduce credit card debt is to simply minimize its use.  Consumers should avoid using credit cards altogether.  "Clearly, it is easier to repay debt when you are not simultaneously adding to it," said Gallegos. "This policy is especially important for people who have difficulty controlling their spending."

Debts should also be paid off one account at a time, prioritizing the accounts with the highest interest rates.  All available funds can be directed to the credit card with the highest interest rate while maintaining minimum balance payments to remaining accounts with the lower interest rates.  This have been a proven method in eliminating credit card debt.

Those seeking to be debt free should primarily concentrate in paying their spending with cash.  Debit cards can also be a good alternative to cash. 

One should be adamant in making your payments on time.  Punctuality in payments is a vital part of obtaining good credit.  Late fees and penalties can increase your standing debt significantly.

Gallegos also suggests that making more than your minimum payment makes a significant difference in paying off your credit card balances.  He also suggested, "to pay off debt even faster, take on extra work, barter for discounts and pay what you save toward your credit card debt, sell things you do not need, and apply bonuses or gift money to your credit card."

For those who are still having a difficult time paying off their debt, these individuals should seek help Freedom Debt Relief.  The organization will contain services that can carefully examine available options for the individual.