9 Clever Ways To Pay Off Your Credit Card 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 <p>Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 12 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p>

Try National Debt Relief

Pay no interest on balance transfers until 2027

Imagine getting an intro 0% APR for 21 months from date of account opening on balance transfers (APR then 17.24% - 27.99% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi^® Diamond Preferred^® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 21 months from date of account opening, then a 17.24% - 27.99% (Variable) APR (balance transfers must be completed within 4 months of account opening). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 12 months from date of account opening on purchases. After the intro period for purchases and balance transfers, the APR is 17.24% - 27.99% (Variable).

The best part? There's no annual fee with the Citi^® Diamond Preferred^® Card(Rates and fees).

Click here to Apply Now to the Citi^® Diamond Preferred^® Card

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.² <p>The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Jan 10th, 2025 is 7.50%. Your variable APR is based on the Index plus a margin that takes into account your creditworthiness, collateral value, etc. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 0% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due.</p> <p>Cash back available to those who enroll in AutoPay, refer to <a href="https://www.aven.com/docs/AutoPayAgreement.pdf">AutoPay Terms & Conditions</a>. Cash back applies to valid purchases (not on refunds or returns) made using the Aven card, and does not apply to non-card transactions, including balance transfers, cash-outs, or reward redemptions. Cash back is accumulated as points and redeemable as statement credit. Refer to <a href="https://www.aven.com/public/docs/CashbackTerms/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Rewards Terms & Conditions</a>.</p> <p>If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Our APR is 6.99-15.49% for primary residences. The average for other cards in the US for people with good credit is over 24% APR. Source: "Average Credit Card Interest Rates" <a href="https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841">wallethub.com</a> on Jan 15, 2024 showing the average rate for credit cards in the US for people with good credit is 24.10% APR.</p> <p>If you have an active HELOC agreement or offer within the last 30 days that demonstrates a lower cost than ours, we’ll beat the offer or send you $250. Introductory, temporary, and promotional offers do not apply toward our guarantee. Only valid for new customers who received this specific offer. We reserve the right to change the terms of the guarantee at any time. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Our fixed monthly payment option (Aven Simple Loan) is available based on your Var APR plus fees not exceeding the High Cost Mortgage threshold set by law. Your rate will not increase while the Aven Simple Loan plan is open.</p> <p>If you opened a HELOC within the last 30 days or received a fully underwritten HELOC offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. Terms apply. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Note for customers in AK, AL, IA, KS, KY, LA, MN, MS, NE, OK, OR, PA, UT, WI and WY: We currently only offer lines up to $100,000. Check back soon for higher line sizes.</p> <p><a href="https://www.aven.com/docs/SpanishDisclosure.pdf">Notice to Consumers about all Languages. Para Español, consulte este documento</a>.</p> <p>Aven cards are arranged by Aven Financial, Inc., dba "Aven" or "AvenCard" (in AR, ID, and PA). NMLS #2042345. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for state specific details. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.</p> <p>Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (<a href="https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/462289">NMLS Consumer Access Page</a>). For additional information or complaints to Coastal Community Bank, visit <a href="https://www.federalreserveconsumerhelp.gov">www.federalreserveconsumerhelp.gov</a>.</p> Repay 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.

Ask this company to help you reduce your tax debt (consultation is 100% free)

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Alleviate Tax is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Alleviate Tax talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Answer a few questions to get started

Stop going into debt over expensive home repairs when this exists

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your air conditioning unit breaks down during a heatwave. Instead of paying $1,500 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and their techs come and fix it ASAP. This could save you $1,400 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2024 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.³ <p>CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.</p>

Choose a plan from Choice Home Warranty here and lock in 2024 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

Access your home equity to cover debt — no payment or interest charges for 10 years

Struggling with debt? If you want to utilize your home equity to help pay it down, you’re probably frustrated right now. The strict qualifications of the traditional financial system have left many unable to.

But there’s another option you may not have heard of, a home equity agreement (HEA) from Unlock.

With Unlock, you could tap into up to $500,000 of your home equity and make no payments for ten years. It’s not a home equity loan, HELOC, cash-out refinance, or reverse mortgage.

An Unlock HEA is not a loan at all. Instead, it gives you cash in exchange for a portion of your home’s future value:

• Access up to $500,000 of your home’s equity.
• No payments or interest charges for ten years.
• Not subject to traditional interest rates.
• Minimum credit score: 500+.

You can verify your property value and equity in 60 seconds — and with no impact on your credit score: Start by entering your property address here.

And don’t worry — Unlock has an A+ rating from the BBB. So see what you’re eligible for, and you could have the funds you need to end your toxic debt loop sooner than you think.

Apply for a home equity agreement with Unlock

Slash your monthly payment on $20k+ debt

Many people with $20k+ in debt don’t know that there’s a way to potentially reduce the amount you owe and possibly save hundreds each month. If you have credit card debt, paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

We researched 15+ companies that could help. If you owe less than $100,000 in credit card debt, we can match you with companies that could help you pay off your debt almost instantly.

You don’t need a perfect credit score, and checking your options here won't affect your credit.

See what you qualify for

Stop getting ripped off by credit card companies

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

But … credit card companies couldn’t care LESS if you pay or not. They’ll make money off you either way. And with an average APR close to 25%, the credit card companies just keep getting richer and richer.

If that’s you, a company called AmOne wants to help. If you owe less than $100,000 in credit card debt, AmOne can match you with loan providers that could help you pay off your debt almost instantly.

Think about it this way: $25,000 in credit card debt at 25% APR will cost you $518.83 every single month in interest alone. But, with a rate as low as 6.40% APR (possible through AmOne), you’d only pay $94.69 interest.

That’s over $400 a month you’d get to keep for yourself! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have an Excellent rating on Trustpilot from over 2,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

Lower your debt payments here