Discipline. There must be an understanding that the principle owed still belongs to the credit card company and must be returned. This will require a paradigm shift in thinking for most people.
The shift is from consumption to accumulation of wealth. Saving more than you spend may seem like a simple concept, but the average American owes at least $8,000 in credit card debt. This credit card debt is not making money for them and is generally at rates of 15 to 19%.