The Citi Diamond Preferred Card has one of the longest 0% intro APR windows available -- making it a strong option for paying down credit card debt faster.

Borrowers who struggle with high-interest debt often turn to personal loans to help pay it off, but without a change in habits debt can become a cycle.

Debt settlement companies can reduce what you owe, but the fees mean the savings may be less than you expect.

Credit card debt has reached an all-time high of $1.2 trillion nationwide, with average balances at $7,321 per person.

Debt collectors can't drain your account without a court order, but once they have one, the rules may surprise you.