Things You'll Need:
- Diligence
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Step 1
Organize all of your credit card bills to see exactly what you owe on each. Also, find out what interest rate you are paying on each of these credit cards.
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Step 2
You now have a couple of choices for paying off these credit cards. You can either start with the one with the highest interest rate or the credit card with the lowest balance. The choice is really yours. Starting with the lowest balance is nice because you can score an early victory in debt payoff.
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Step 3
Once you've decided which credit card you'd like to pay off first, pay the minimum on all the other credit cards. Then, attack that first bill with all that you have. Get a second job if you have to. Sell things online to raise cash. Whatever it may take, you need to be aggressive to pay those credit cards off quickly.
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Step 4
Once the first credit card is completely paid off, move onto the second credit card and repeat step 3. This is basically considered "snowballing" your debt and it's a surefire way to pay off your credit cards as quickly as possible. Repeat this process over and over again until the last credit card is paid off. After that, cut up your cards. If you don't have the cash, don't buy it!
