[header] How to use zero percent interest credit cards to get out of debt [title] Review all of your existing credit card statements. [step] Make a comprehensive list of how much you owe, on which cards, at how much interest. [substeps] Whether or not you include other types of debt, such as mortgages or car loans, is up to you. 
As a general rule you save the most money when you concentrate on paying off highest-interest debt first, and the less revolving debt you have the better your credit will appear. That usually means paying your high-interest credit cards off first.