What is the best way to pay down debt on department store credit cards?

Suze: Many of you have credit cards that are at department stores, and you are being charged 23, 29 or even 30 percent interest. What would be my number one piece of advice for all of you? Listen carefully.

Open up a credit card at a credit union. 

By law, federally chartered credit unions cannot charge you more than 18 percent interest. If you do a balance transfer to a credit union, most good credit unions do not charge you a balance transfer fee.

Can everybody belong to a credit union? You absolutely can. I have two credit cards that I carry: my American Express card and a VISA card with a credit union. Obviously, I pay them off at the end of every month, but if you need help, get a credit union credit card.

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