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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.
But here’s the secret:Getting out of credit card debt might actually be easier than you think. Yes, it may take some time and a little work, but it’s possible as long as you have the right plan.
Read on to find 6 clever ways you wouldn't normally consider that can help you pay off your credit card debt … potentially faster than you thought possible.
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
Pay no interest on balance transfers until 2026
Imagine getting 21 months with an intro 0% APR on balance transfers. Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi Simplicity® 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. 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! After the intro period, the APR is 18.49% - 29.24% (Variable).
The best part? There's no annual fee with the Citi Simplicity® Card(Rates and fees).
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Ohio Driver? Cancel your car insurance
We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they switch! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, DOB, and email, to see if you qualify for a lower rate. It takes less than 2 minutes.
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, LendingTree3wants to help. If you owe less than $100,000 in credit card debt, LendingTree can match you with loan providers that could help you pay off your credit card debt with a personal loan.
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 5.99% APR (possible through LendingTree), you’d only pay $123.38 in interest.
That’s about $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’re one of the biggest names out there for a reason. They’ve facilitated more than 65 million loan requests, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.