If you're like a lot of people, your credit cards are a source of anxiety. It doesn't have to be so. Bankrate has 6 steps to credit card serenity that, if followed, will help you feel less like yourself and more like an attractive person on a beach.

Step 1) Make a List of What You Owe. We've heard that knowing is half the battle.

Step 2) Pay your highest rate cards first.

Step 3) Get A Better Deal.

Step 4) Consider Using a Different Card.

Step 5) Beef up your credit score.

Step 6) Avoid penalties and fees.

Bankrate has tips and calculators and explanations of all these steps. Serenity Now! —MEGHANN MARCO

6 Steps to Credit Card Serenity [Bankrate]