Brace yourself: Your credit card is about to get more expensive. And, you'll definitely want to do something about that.

The Federal Reserve has just raised interest rates for the first time in 2018, and has signaled that even higher rates are on the way. The interest on credit cards typically rises with the Fed's rate hikes.

In a perfect world, we'd all pay off our credit cards each month, maintain perfect credit scores and brush our teeth five times a day.

But stuff happens, and credit card companies depend on that to make a profit. If we all paid on time, every time, they wouldn't earn any money. And, credit card finance charges can add up.

With interest rates now at their highest levels in 10 years, here are ways to find extra money to chip away at your credit card debt and beat rising interest costs.

Continue reading on the next page.