Stop using the card for new purchases
Pay more than the minimum every month
Put all extra cash toward the highest-interest card first
Use the avalanche method to target the highest APR debt
Use the snowball method if you need quick motivation from small wins
Make payments more than once a month
Set up automatic payments to avoid missed due dates
Cut nonessential spending and redirect the savings to the balance
Use windfalls like tax refunds, bonuses, or gifts to pay down debt
Lower your interest rate by requesting a reduction from the issuer
Transfer the balance to a lower-interest card if fees make sense
Consider a personal loan to consolidate high-interest debt
Sell unused items and apply the money to the card
Create a strict payoff budget until the balance is gone
Avoid cash advances and new debt while paying it off
Track your progress weekly to stay focused