CHARLOTTE -- High interest rates could be making it impossible for you to pay off your credit card in a reasonable amount of time, but a simple five minute phone call could be the difference between you losing hundreds of dollars and saving hundreds of dollars.

"The average balance for our clients for all those combined cards is about $17,000 in just unsecured credit card debt,” said Doug Hammond of Alliance Credit Counseling.

Depending on the interested rate of the credit card, holders could end up paying much more in the long run. That’s why if you’re serious about getting rid of debt, finding help could be the key.

"It’s like a cat chasing its tail... You'll never get out of debt if you don't change your spending habits and behavior,” said Hammond.

After putting away the cards, it’s time to get on the phone.

“Deal with what you have up front before it becomes a massive problem later,” advised Tina Webb-Boultry, a financial specialist with Clearpoint Financial Institutions in Charlotte.

Webb-Boultry says calling your creditor and asking for a lower rate can be nerve racking, but you should be polite and pleasant. The nicer you are, the more willing they’ll be to help.

And if calling the first time doesn’t work, try again.

"If you don't get what you need out of one person on the phone, don't be irate. Hang up the phone and call again. Hopefully you'll get someone else next time.”

Don’t forget, you are entitled to a free credit report from all three major credit reporting companies every year.