8 Clever Ways To Pay Off Your Credit Card Debt

Try one of these smart payoff strategies

1. Snowball Method: Pay off debts starting with the smallest balance first and working your way up. A small win early on can be just the motivation you need to keep going.
2. Avalanche Method: Pay off debt starting with the highest interest rate first and working your way down. You could save money in the long run by accruing fewer interest charges.
3. Biweekly Payment: Make half of your monthly payment every two weeks. This will result in an extra payment each year, helping you pay down your balance faster.
4. Round-Up Payments: Round up your payment to the nearest $10, $50, or $100, depending on your budget. This will help you pay off your principal balance faster and save on interest charges.

See if your credit card debt is eligible for this debt relief program

If you have a lot of debt, getting rid of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it may get 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 rid of unsecured debt?

Freedom Debt Relief could help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their certified debt specialists may be able to help you resolve your debt for less than you owe — with one low monthly deposit.

Best of all? There are zero upfront settlement fees, and you could reduce debt in as little as 24-48 months¹ <p>Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.</p> . To get started, just answer a few simple questions and get connected with a Certified Debt Consultant. It only takes a few minutes to see if you qualify, and the consultation is completely free!

See if your $30k+ in credit card debt is eligible for Freedom Debt Relief

Understanding different types of debt products

1. Balance Transfer: A balance transfer credit card offers an introductory 0% APR on existing high-interest balances you transfer over. This allows you to pay down your balance during the intro period without accruing more interest. You typically need at least good credit to be approved, and must be disciplined to avoid accumulating a high balance on your new card.
2. Debt Consolidation: This is typically achieved with a personal loan or home equity product. You could pay off all your existing debts with the new loan, meaning you’ll only need to manage one monthly payment, potentially with a lower interest rate.
3. Debt Settlement: If you qualify, debt relief companies will negotiate with creditors on your behalf to potentially reduce the total amount you owe. You typically will need to make monthly payments to the debt relief company to be used to pay down your remaining debt.

Pay no interest on balance transfers until 2028

Imagine getting an intro 0% APR for 21 months from date of account opening on balance transfers (APR then 16.49% - 27.24% (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 16.49% - 27.24% (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 16.49% - 27.24% (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

Borrow cash from your home (without touching your mortgage)

If you need cash, you do not need a cash-out refinance or home equity loan — get a HELOC instead. The Fed just cut interest rates, and a HELOC could help you take advantage of it without touching your mortgage.

Use LendingTree’s simple HELOC matching tool² <p>LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2024 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. </p> to compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card during what’s called the “draw period,” which is usually 10 years. You can withdraw funds when you need them, and you’re only responsible for monthly payments toward the outstanding balance. After the draw period ends, you pay off the outstanding balance during the remaining term or “repayment period,” which can be up to 20 years.

The best part? HELOCs usually have variable interest rates, meaning you could access cash now at newly lowered rates and have the opportunity to access more down the road at potentially even lower rates.

To get started:

1. Check out LendingTree’s HELOC matching tool.
2. Answer a few questions.
3. Be matched with personalized offers for you.

See how much cash you could get

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 furnace breaks down during a cold snap. Instead of paying up to $3,000 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and the tech comes over and fixes it right away. This could save you up to $2,900 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2026 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 2026 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.

Get creative with ways to earn or save extra money

1. Negotiate Your Bills: You can always try to negotiate with creditors and businesses for a lower price, better rate, or other deals. Ask about available discounts or payment plans, or bring up competitors. A little time and research could go a long way.
2. Find Unique Side Hustles: There are a ton of services that can help you earn a little extra cash. You could rent out storage space with Neighbor, walk dogs through Wag, sell advertising space on your car via Wrapify, and more. You just need to look!
3. Utilize Free Services: From free college courses on Coursera to free items on Facebook Buy Nothing Groups, there are numerous free services available that you may not be aware of. Also, don’t sleep on your local public library, where you could rent out devices like laptops and tablets, access free entertainment like movies and board games, or find valuable personal and professional growth resources.

Ask this company to 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.

Tax Relief Advocates is designed specifically to help you get out of tax debt faster and could even eliminate or reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Tax Relief Advocates 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.

Fill out this form to get started

Access up to $500K of your home equity with no additional monthly payments

If you want to access your home equity — but don’t qualify for a traditional HELOC — Splitero could be perfect.

How it works: Splitero is a Home Equity Investment product that bets on your home's future value going up. You get cash now, and when you cash settle, sell, or refinance, you give Splitero a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage Splitero is entitled to also decreases. That could be a lot safer for you.)

Splitero is rated “A” by the BBB and you can use the money however you like. Pay off debt, renovate your home, or invest, all without worrying about additional monthly payments.

You may qualify if you:

1. Have some equity in your home — 30% or more.
2. Have a credit score of 500+.
3. It’s your residence, and you live there.

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

Save potentially $1,000 or more on home insurance

If you want better or more affordable home insurance, there is ONE thing you should never skip in the process of finding a policy: Getting multiple options from a variety of home insurance providers.

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time.

Provide Home Insurance is a company that matches you with home insurance options from a variety of lenders to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you. And heads up — the insurance company you choose may call you. Do NOT ignore the call, as they want to work with you to find the best rate possible.

Enter your zip code to get started