1. List every card
Balance, APR, minimum payment, and limit. You can’t prioritize what you can’t see.
How to pay off credit card debt
Credit card debt is solvable with a boring plan you can stick to. Here’s a simple sequence — then use DebtSelector to pressure-test the numbers.
2. Stop adding new charges
If you need a card for emergencies, pick one and leave the others alone until the plan is working.
3. Pick a target order
Highest APR (avalanche) or smallest balance (snowball). If you get a refund or bonus, wipe out whole cards when possible.
4. Run the math once
Before you move money, open DebtSelector and model the cash you actually have so interest and cashflow aren’t a surprise.
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Ready to run your numbers?
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