Looking at a bad credit card debt loan is something many people might hope they never have to do. But perhaps the idea of getting into a cycle of debt and bad credit isn’t as impossible as it sounds. Even for someone who seems to be in great financial shape, it just takes a few wrong steps to find him self up to the ears in credit payments.Just Charge ItThis phrase has become so common nowadays and is perhaps one of the leading reasons for debt bad credit. A credit card can sometimes make you believe you have money to spend, when you actually don’t- you just have credit. If there is more than one credit card involved, the situation can be that much worse. If you don’t actually have the cash to buy a new stereo system, you won’t. But with a card, not only do you have the ability to buy it, there’s a good chance that you will.That means that at the end of the month you may find a nasty surprise for you in the mail- not only have you bought something you couldn’t afford in the first place, you now have chalked up a bunch of credit fees. Do this with more than one credit card and you can easily find yourself in need of a bad credit card debt loan.Bad Credit BluesBad credit is one of the worst things that happen to a person, short of bankruptcy. A bad credit rating means that you will find it next to impossible to find someone who will give you a debt consolidation loan. Without a loan, how will you ever manage to even make a dent in those credit payments? This is where a secure debt consolidation program and a bad credit card debt loan can really help you out.Even if you have a lousy credit rating, you will still be able to find companies offering free debt consolidation programs- check out which non-profit organizations offer these and learn more about where you stand and how a consolidation program will help. What these kinds of programs do is that they offer you help in consolidating all of your debts into one, single payment. This is usually given at a low interest rate. One of the best things about these kinds of programs is that the debt payments are not unending- you can be sure that one day, you will have finally made your last payment.A bad credit card debt loan can truly help you out of the mire of debt that can come with credit card payments. By finding the right kind of plan, debt consolidation can help put your finances back on track.