While we don’t have any credit card debt now, except for 0 APR balance transfers, there was a time when we did. While we never let our credit cards get completely out of control, we did build up several thousand dollars on our credit cards when I first got out of college. So having gotten into card debt and then climbed out of it, we’ve learned many of the causes of this financial pain. The fact is, we can talk ourselves into using our credit cards in ways that will hurt our finances down the road. So here are 10 lies we tell ourselves that get us in credit card debt and keep us there.

With economic conditions worsening and credit tightening, you don't need to be wasting money on high-interest credit card rates. Our friends at Credit-Land.com rounded up a handful of credit card offers which provide some low interest credit cards worth checking out. Choose between some of the leading credit card companies: American Express, Capital One, and Discover.

If you haven't had the credit limit cut on your credit card recently, count yourself lucky. Risk-averse card issuers are getting slash happy. And while many cardholders gripe that such cuts slice razor-close to their balance amounts, for an unfortunate few the cuts go far deeper: below what they currently owe.

A former FICO executive, now head of VideoCreditScore, knocks down 10 common misconceptions and myths of the seemingly monolithic, impenetrable credit score. Learn the real deal on credit cards, frequent checking, and the 50-point "swings." Here's Andy Jolls dishing out 10 answers in 60 seconds:

The Short and Simple Story of the Credit Crisis from Crisisofcredit.com. The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California.

With the current credit crunch, raising capital to start or expand a small business can be a real challenge. The bitter irony is that while interest rates are at historic lows, access to funding sources has all but dried up. As a result, many small companies have turned to business credit cards. While credit cards may be a reasonable choice to fund ongoing operations, particularly if the cards carry low interest rates or profitable rewards, P2P lending at Lending Club may be the better choice to fund the startup or expansion of a small business. Here’s why.

As you're maxing out your credit cards and ignoring your bills, you might not realize the effect it's going to have on your credit. Credit card payments and level of debt have the most impact on your credit score. Mess up in these areas and your credit score will plummet. "What's the big deal with a low credit score," you might ask.

You can afford your mortgage, you have a high credit score and you pay your bills on time every month. So why did American Express just slash your credit limit? Could be because of where you shop? A combination of the credit crisis and the increasing use of predictive analytic models for determining credit limits mean that it is no longer enough just to maintain a good credit rating.

Getting a better interest rate can save you a ton of money in the long run, especially if you’re getting a loan with a long amortization or you carry a balance on your credit card for long periods of time. Some people simply accept the interest rate that’s suggested by the lender without putting up any sort of fight. While you don’t want to come to blows with anyone over an interest rate, you certainly don’t want to roll over and accept a higher interest rate than you deserve.

It used to be that people felt comfortable with their money in a big institution. Then the big names started dropping like flies. Backlash ensued, with consumers taking their money out of banks. Whether it’s an auto loan, credit card, mortgage or checking account, it seems that friendly neighborhood credit unions are serving up the best deals.