There are currently several ways today to reduce or eliminate credit card debt. As mounting debt continues to be a major financial issue for millions of people today, there are currently a lot of credit card companies which are offering debt counseling services for their customers. Since it is to the credit card companies advantage to have consistent paying customers, many of them are now offering to help those who have fallen behind catch up on their credit card payments. Some of this assistance will involve hosting online tutorials and training sessions. These sessions and tutorials will be available in either a video or podcast format. These type of teaching tools will provide customers the ability to take these courses at their convenience. The primary goal of these counseling sessions is to help cut down on late credit card payments by forty percent, which will save the industry millions of dollars.