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Feeling like you're on a debt rollercoaster, guess what? You're not alone. Many folks out there are juggling that monthly credit card balance too.
Now, here's the plan: Escaping that credit card debt maze might be simpler than you've imagined. Sure, it's going to require a bit of time and effort, but hang in there because we've got your back with a solid plan.
Wave goodbye to that credit card debt stress. Start with these genius ways to pay off your credit card debt. You might just find it was easier and quicker than you previously thought!
1. Get out of $20,000 or more in debt
2. Get rid of $25,000 in credit card debt
The amount of outstanding debt you have is an important factor in your credit score. If you have a lot of credit card debt or you've been missing payments, it could be negatively impacting your credit score.
Freedom Debt Relief can work with your creditors to reduce credit card debt and get your finances back on track without needing a loan.
You could resolve your credit card debt in as little as 24-48 months with one low monthly payment, even if you don’t have great credit. The sooner you get your debt under control, the sooner you could start to work on improving your credit.
Freedom Debt Relief is America's largest debt company and has settled over $17 billion in debt and served over 1,000,000 clients. Take action now and start working toward a debt free future.
Check eligibility from Freedom Debt Relief
3. Pay No Interest on Balance Transfers til 2025
Looking to pay off debt with less money in a short amount of time, or finance a big purchase without paying interest? Then you'll want to check out the card_name.
This card currently is offering a generous intro_apr_rate,intro_apr_duration from account opening on purchases. This means you could save hundreds (or even thousands) in interest - and potentially get rid of your debt faster, if you pay it off within the 0% intro interest period. After the intro period for purchases, the APR is reg_apr,reg_apr_type.
Have balances spread across multiple credit cards? You can also take advantage of a balance_transfer_intro_apr for balance_transfer_duration_months, which could make it easier to track and pay off your debt with a single payment.
Right now, the card_name is also offering a bonus_miles_full making it a solid option for cardholders looking to take advantage of some additional perks.
The best part? There's annual_fees annual fee.
Act Now
4. Cancel your car insurance
No matter how much you drive, you can still save on your auto insurance. Most people spend $750 a year MORE than what they need and that’s a lot of money.
See how much you can save at Smart Financial, a free auto insurance matching service. Answer a few questions related to your car, driving history, and some basic personal information, and they’ll search through the network which includes Progressive, Allstate, 21st Century, Nationwide, and more to find you the best options.
Your monthly rate could be as low as $38/month! Plus, it’s easy and free to check to see how you can save money!
Check Car Insurance Rates Now
5. Cancel your car insurance
We've got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.
See if you're overpaying
6. Borrow up to $50k to finally crush your debt
Looking for some cash to pay off credit card debt? A personal loan could help.
Our partner AmOne will match you with loan providers to fit your specific needs. Just fill out one quick application and they'll show you mulitple loan offers. There's no application fee and no minimum credit score needed to apply.
Why not check if you qualify? As long as you're approved, you could receive your loan as early as the next business day.
Get a loan offer here
7. Earn a $200 Statement Credit
Prefer cash back rewards cards? The card_name is a great option.
Their current offer allows you to bonus_miles_full
We love this card for our daily grocery store, gas, and shopping purchases. With a annual_fees annual fee, the card_name is definitely one to keep in your wallet. You can also take advantage of an introductory intro_apr_rate,intro_apr_duration for intro_apr_duration APR offer that can help save you money if you have a big purchase in your immediate future, followed by an APR of reg_apr,reg_apr_type. See Rates and Fees; terms apply
See more details
8. Cancel your car insurance
No matter how much you drive, you can still save on your auto insurance. Most people spend $750 a year MORE than what they need and that’s a lot of money.
See how much you can save at Smart Financial, a free auto insurance matching service. Answer a few questions related to your car, driving history, and some basic personal information, and they’ll search through the network which includes Progressive, Allstate, 21st Century, Nationwide, and more to find you the best options.
Your monthly rate could be as low as $38/month! Plus, it’s easy and free to check to see how you can save money!
Check Car Insurance Rates Now
9. Borrow up to $50k to finally crush your debt
Looking for some cash to pay off credit card debt? A personal loan could help.
Our partner AmOne will match you with loan providers to fit your specific needs. Just fill out one quick application and they'll show you mulitple loan offers. There's no application fee and no minimum credit score needed to apply.
Why not check if you qualify? As long as you're approved, you could receive your loan as early as the next business day.
Get a loan offer here
10. Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month! (See website for details.)
With no credit check to apply and no monthly fees to worry about, you can earn money on purchases you’re making anyway—up to an extra $360 per year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Apply for a Discover Cashback Debit account today
Drop Debt With Accredited Debt Relief
