Debt & Credit Help

6 Clever Ways To Pay Off Your Credit Card Debt

Paying off credit card debt is easier than you think if you have the right plan.

circling date with debt payoff
Last updated July 8, 2025 | By FinanceBuzz Editors

If you want to pay off your credit card debt fast, you're not alone — over a third of Americans carry a credit card balance month to month.

Below you'll find clever ways you wouldn't normally consider to help you crush your debt.

Ask this company to pay off your credit card debt

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

National Debt Relief could help. If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly program payment.

Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 12-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!1

Try National Debt Relief

Slash your credit card debt - Pay zero interest until 2026

Imagine hitting pause on interest for 15 months! One of our favorite cards offers 15 months with 0% intro APR on balance transfers and purchases, allowing you to pay off debt quickly without racking up interest payments. After the incredible intro period, you'll have an APR between 18.24% - 27.24% Variable. 

But let's be practical ... that intro period could save you hundreds, even thousands of dollars in interest ... meaning you could dramatically change your financial picture. Do not miss this opportunity and apply for the Discover it® Cash Back(Rates and fees) today!

The best part? The Discover it® Cash Back card is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and there's no annual fee.

Click here to Apply Now

Access a credit limit from $5,000-$250,000 (without touching your mortgage)

If you need cash, you do not need a cash advance or personal loan — get a HELOC instead.

Access the equity in your home with Aven for a fraction of the time and cost of a traditional HELOC. With a 100% online process, you could get approved in as fast as 15 minutes and access funds as soon as 3 business days after closing!

The best part? The Aven HELOC gives you options. Access cash upfront with a full draw at a low fixed rate APR or use a standard revolving credit line with a variable APR.2Repay that full draw with a fixed monthly payment that works for your budget.

How to get started:

  1. Visit Aven and provide a few pieces of information.
  2. Check your offer with no impact on your credit score.
  3. Accept your personalized rate.
  4. Close 100% online with a digital notarization flow.

680+ Credit Score: Check your offer for $0

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used this tool and now I’m able to pay just $47 a month for two cars.Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

  1. Click the link below and enter your zip code, date of birth, and phone number.
  2. Answer a few questions about your car’s make and model to get matched with top offers.
  3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Borrow up to $50k to finally crush your debt

Looking for some cash to pay off credit card debt? A personal loan could help.

Our partner AmONE will match you with loan providers to fit your specific needs. Just answer a few quick questions and they’ll show you multiple loan offers. There's no fee and no minimum credit score needed to see your rates.

Why not check if you qualify? As long as you’re approved, you could receive your loan as early as the next business day.

Get a loan offer here

National Debt Relief
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National Debt Relief Benefits

  • No upfront fees1
  • One-on-one evaluation with a Certified Debt Specialist
  • For people with $30,000 in unsecured debts and up
Visit National Debt Relief