Best Way to Pay Off Credit Card Debt

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You are looking for the best way to pay off credit card debt because you want to take control over your financial situation once and for all. It does not matter how much money you owe, this process is universal and if you follow it step-by-step, I can almost guarantee that you will pay off your credit card debt

before you even know it.

How to Pay Off Credit Card Debt

As the best way to pay off your debt, we recommend you follow the snowball method. It consists of paying off your credit cards from smallest to largest and paying more than the minimum every month.

If you don’t want to do it from scratch you don’t have to. Download the worksheet below and simply fill in the blanks.

Why The Snowball Method?

The snowball method could be the best way for you because it allows you to see exactly how much you owe and how much you are paying down. The process of writing down your debt from smallest to biggest will help you eliminate the small debts first, which will be a rewarding experience that will motivate you to continue paying off the rest.

However, the downside is that it does not consider the interest rates you are paying per card, so if you are concerned about the interest rates you are accumulating, this may be worrisome.

Interest Rates High?

Perhaps you might want to consider applying for a balance transfer credit card. It might leave a hard inquiry on your credit report, but hard inquiries go away on their own. Debt does not go away unless you make it go away.

The balance transfer credit card I recommend is Discover it® Balance Transfer. It has:
No annual fee.
0% intro APR for 18 months on balance transfers.
You’ll earn 5% cashback.

But as always, do your own research!


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