8 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

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 Insurify and now I’m able to pay just $51 a month for two cars.² <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> 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 from your home's equity to help you get through 2025

If you have a credit score of 680 or more, a cash-out refinance from Rocket Mortgage³ <p>Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.</p> could help you consolidate your debt. You could pull money out of your home without a second mortgage or HELOC … meaning you could tackle your debt head-on while eliminating multiple monthly payments.

For example, let's say you're able to take out $50,000 with a cash-out refinance. You use $20,000 to pay off high-interest debt and $30,000 for home renovations, lowering your total monthly payments and increasing your home's value. That's a win-win.

See how much could be available to you:Visit Rocket Mortgage and click “Take cash out.” Then use the simple calculator to estimate how much cash you could get out of your home.

See how much cash you could get

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

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

Don’t pay a CENT to contractors for home repairs until you do this

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.⁴ <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.

Ask this company to help you pay off your late tax debt

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

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