How to Fix Credit Card Debt

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Step 1

First gather all your cards and statements and calculate how much total credit card debt you have. Put your cards in your sock drawer so you are not tempted to use them.

Step 2

If you are paying more than the minimum on each card then you’re on the right track. Chose the card with the smallest balance and focus your extra payment money on that card first.

Step 3

Make the minimum payments on all the other cards and use the remaining money from those payments to pay the smaller card off quicker.


Once that card is paid in full then you move on to the next smallest balance until all of your cards are paid off.


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