To pay off credit card debt, you can adopt a repayment method like the debt snowball or debt avalanche, consolidate any high-interest debts or enroll in a debt management plan, among other things. What works for you will depend on your debt load and your specific situation.
Here are 10 methods to consider.
1. Pay more than the minimums
Credit card issuers give you a monthly minimum payment, often around 2% of the balance. In the third quarter of 2025, about 1 in 10 cardholders were making only the minimum payment each month .
Remember: Banks make money off the interest they charge each billing period, so the longer it takes you to pay, the more money they make, and the more you end up paying.
The debt snowball method of…