Problems with credit card usage aren’t usually something that happens overnight. They are the result of bad habits accumulated over the years. And just as it can be extremely difficult for long time smokers to quit, even if they know their health is at stake, so too good credit card management doesn’t happen without a change in behavior. After all, people don’t really abuse credit, the credit card charges end up abusing them. Here are some techniques to use to pay down debt and improve your financial health…