Bangalore: It is not uncommon to find a few people make some bad financial. Be it a few thousands of rupees or a debt of lesser amount making a commitment to get out of debt is a right financial decision. Provided you use smart methods in paying off debt. You need to make wise decisions about how you pay off that debt. Paying off large amounts of debt all in one go or using up a savings fund aren't always the wisest financial moves. Paying Off Credit Card Debt Too Fast You are the kind, who relies on credit card to make all simple purchases in life and decide to make the credit card payment in one go. So that you can enjoy the liberty of a clear credit balance. But if you reflect carefully on this, you will notice that you could end up availing more credit cards in the future. If your credit card spending is out of control, you'll need to work on breaking the habit relying on a credit card for every purchase in life. If you don't work on your spending habits then you are more inclined to lead to another credit card spending 'binge.'