Will you be sticking with your credit card longer than your spouse? For some Americans, the answer will be "yes." Overall, we are are pretty faithful to our plastic. According to Experian, the average time a credit card account remains open is approximately 129 months — or 10.75 years.

Contrast that with the fact that the U.S. Census Bureau reports that in 2009, first marriages that ended in divorce lasted a median of 8 years for men and women overall. The median time from marriage to separation was seven years.

It appears that Americans are also more loyal to their cards than their counterparts across the pond. Research by MoneySupermarket found that credit card users in the U.K. have remained loyal to their card provider for six years on average.

Related: Getting a Divorce? Here's How to Protect Your Credit

Is loyalty to a card issuer good or bad? On the plus side, holding on to your cards for a long time may help your credit rating. FICO High Achievers — those with FICO scores of 785 or above — opened their oldest credit card account 25 years ago on average; and the average credit account is 11 years old. Plus, if you've been a good customer for many years, you may be able to negotiate a lower interest rate or get a fee waived more easily than a new customer.

On the other hand, issuers are trying to woo new new customers with flashy promotions, such as the Starwood Preferred Guest Card from American Express that currently allows new cardholders to earn 10,000 points after their first purchase, and 15,000 points after spending $10,000 within six months. Just try matching the British Airways credit card 100,000 miles sign-up bonus with your current card. Fat chance it even comes close.

Related: Can You Really Get Your Credit Score for Free?

But that doesn't mean you should be fickle.

Perhaps the best strategy is to plan on a long-term relationship with your cards, and choose accordingly. But check in periodically to make sure they still offer you the best deal. If not, let them know you think you can do better — and why. They may be able to able to come up with a reason for you to stay.

If not, and you do break up with your credit card company, you don't have to end the relationship completely. You can still keep the account open in case you decide you want to come back later. Just think of it as keeping your options open.

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Buried in debt? There are several strategies you can try to dig yourself out of the hole.

You've set your goal to get out of debt. Now you have to figure out how to achieve that goal. But with so many different experts touting different solutions, how do you pick the one that will work for you? Here are five options:

DIY debt reduction
With the DIY approach, you make the minimum payments on all of your debts except the one you are targeting. There are two main variations on this strategy: the snowball method, and the avalanche approach. With the snowball method you pay off the account with the smallest balance first. With the avalanche approach, you pay off the credit card with the highest interest rate first. Either way, once the first debt is paid off, you apply the payment you were making to the next target debt, and so on until they are all gone.

DIY debt reduction may work for you if: You have a clear plan and are committed to sticking with it; you are able to stop taking on new credit card debt for the duration of the program; and you have enough cash flow to pay off your balances in approximately three years or less. (Any longer than that and you increase the risk that unexpected expenses will derail your plan.)

To make it work: Create a written plan using a program like SavvyMoney, ReadyForZero or Zilch, all of which will allow you to create a specific repayment plan and try out different scenarios. For some borrowers, the avalanche method may represent significant savings over the snowball method. For others, it's not a big difference.  But unless you run the numbers, you won't know that and you may leave money on the table by choosing the method that "feels right," rather than the one that will get you out of debt fastest.

Another tip: combine this approach with consolidation for maximum savings.

[Related Article: 3 People Who Dug Out of Deep Debt]

Consolidation
If you are able to consolidate your debts, you will get a new loan to pay off other debts. Then you will pay off the new loan as quickly as possible. You may be able to consolidate with a personal loan or by using balance transfers to low-rate or 0% credit cards. The danger? The new loan will make you feel like you solved the problem, and soon you'll be pulling out the plastic again.

Consolidation can work for you if: You are able to significantly reduce your interest rates, and are able to pay off the new debt in roughly three years or less.

To make it work: Combine consolidation with a DIY debt reduction plan. Put your credit cards somewhere that they won't be easy to get to, so you won't be tempted to run up new debt while you're still paying off this loan.

Credit counseling
A reputable credit counseling organization will typically review your budget with you for free, and help you figure out if a debt-management plan can help you get out of debt faster. If you enroll in a DMP, your credit card issuers will typically reduce your interest rates, and you'll make one monthly payment to the counseling agency, which will then pay each of your creditors. According to the most recent Transparency Project report from Cambridge Credit Counseling, clients received interest rate reductions averaging 14.49%. As a result, the average new client's payment was $141.58 less than what they had been paying on their own.

A debt-management plan may work for you if: Your creditors lower your interest rates enough to provide breathing room in your budget, and you have enough income and cash flow to pay back your debts in five years or less.

To make it work: Be realistic about your ability to make the payments required under the DMP for as long as it will take you to pay off your balances. Take advantage of the education and support programs offered by the counseling agency, and reach out to them immediately if you experience an unexpected financial setback.

[Related Article: How Do Debt Relief Options Affect Your Credit?]

Debt settlement
If your balances are too high to pay them back within five years, or if you're dealing with significant debt that's been turned over to collections, you may want to consider trying to negotiate settlements with your creditors. With this approach, the creditor or collector agrees to accept less than the full balance to satisfy the debt.

Debt settlement may work for you if: You are able to come up with the enough money — typically around 30%-50% of what you owe — to settle your debts in a relatively short period of time (usually 24 months or less). The funds to settle may come from savings or a gift from a family member, for example.

To make it work: Educate yourself on how settlement works. You may have a stressful few months as you try to negotiate with the companies to whom you owe money. Before you go this route, it's a good idea to also talk with a bankruptcy attorney to find out whether that might be a better option. Also make sure you investigate upfront whether you will owe taxes on canceled debt.

Bankruptcy
If you file for bankruptcy, you may be able to eliminate most or all of your debts very quickly (in a Chapter 7 Plan) or over five years or less (in a Chapter 13 Plan). If you are being threatened with debt collection lawsuits, if your income has been to reduced to the point where you can't make your payments, or if you are simply feeling overwhelmed with your debt, it's a good idea to talk with a bankruptcy attorney to find out whether it may provide the relief you need.

Bankruptcy may work for you if: You have significant debts that can be discharged (eliminated), and your income does not prevent you from doing that.

To make it work: Talk with a qualified bankruptcy attorney, one whose practice is largely devoted to bankruptcy and helping consumers in debt. Ask for referrals from financial professionals you trust, or visit NACBA.org. When you do meet with an attorney, bring all the documentation he or she instructs you to bring, and be completely honest about your situation. And don't wait until you've been sued or you raided your retirement accounts to talk to an attorney.

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