On February 5 we published an article explaining how credit card debt works and how those who splurge irresponsibly using credit cards ultimately land up in a debt trap. More importantly, the article also explained how one could get out of credit card debt.

On cue responsible netizens too chipped in with their useful ideas and suggestions on how to get out of a debt trap on the message board below the article. Encouraged by the response we think our readers would benefit from your useful ideas and suggestions on how to get out of a debt trap. Hence this reader invite:

Have you or people you know successfully come out of credit card debt?

How did you get trapped? What did it take to free yourself of financial difficulty?

Was it self-discipline, or the help of a debt counsellor that helped? What lessons did you learn along the way?

Share your experience and advice on how to get out of credit card debt with us and other readers. Write in to getahead@rediff.co.in (subject line: 'Getting out of credit card debt') and we will publish them right here.

We're waiting to hear from you!