3 Strategies to Pay Off Your Credit Cards

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_dj dari-grid-adj-px _dj-px" data-grid-area="left" _da="left"> <article id="content" class="block"> <header> <h1 class="h-biggest">3 Strategies to Pay Off Your Credit Cards</h1> <h2 class="h-big h-slacker h-light h-normal">When you have a significant balance but insignificant funds, here are your options.</h2> <img src="https://web.archive.org/web/20141111160932im_/http://www.usnews.com/dims4/USNEWS/6417bee/2147483647/resize/652x%3E/quality/85/?url=%2Fcmsmedia%2F4e%2Ff75ceb3d7baf2e25d81668b06994b2%2F33205FE_DA_CreditCards_100212.jpg" width="425" height="283" class="img-responsive block-generous" alt="San Diego, California, USA - April 12, 2011: A close up of the three major credit cards, American Express, Mastercard, And Visa. " title="(iStockPhoto)" data-size="rectangle652"/> <p class="t t-dim" style="margin-top: -20px;">These common strategies can help cut your mounting debt, even when your funds are low.</p> <div class="drawer block-generous"> <div class="drawer_main bar-sep-overunder t-small"> <span class="item drawer_paddingTop"> By <a href="/web/20141111160932/http://money.usnews.com/topics/author/geoff_williams" rel="author">Geoff Williams</a> </span> <time itemprop="datePublished" datetime="Mon Oct 20 10:39:15 EDT 2014" class="t-small item drawer_marginTop"> Oct. 20, 2014 | 10:39 a.m. EDT </time> <span class="thumb-middled-right right t-small t-subdued drawer_trigger drawer_paddingTop" id="bylineSocialMore">+ More</span> <ul class="right" id="bylineSocialIcons"> <li class="right"> <a href="https://web.archive.org/web/20141111160932/https://twitter.com/share?url=http%3A%2F%2Ft.usnews.com%2FZ3pue3&src=usn_tw&via=usnews&text=3%20Strategies%20to%20Pay%20Off%20Your%20Credit%20Cards" target="_blank"> <i class="icon-social-tw"></i> </a> </li> <li class="right-pad"> <a href="https://web.archive.org/web/20141111160932/https://plus.google.com/share?url=http%3A%2F%2Ft.usnews.com%2FZ3pue3%3Fsrc=usn_gp" target="_blank"> <i class="icon-social-gp"></i> </a> </li> <li class="right-pad"> <a href="https://web.archive.org/web/20141111160932/https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Ft.usnews.com%2FZ3pue3%3Fsrc=usn_fb" target="_blank"> <i class="icon-social-fb"></i> </a> </li> </ul> </div> <div class="drawer_slide box-borderless-aqua"> <ul class="bar-pad12 block-close alt"> <li class="item"> <div id="sharebug" class="ad ad-sharebug sep"> <script type="text/javascript"> dblclick('sharebug'); </script> </div> </li> <li class="item item-right"> <a href="https://web.archive.org/web/20141111160932/http://www.reddit.com/submit?url=http%3A%2F%2Ft.usnews.com%2FZ3pue3%3Fsrc=usn_rd&title=3%20Strategies%20to%20Pay%20Off%20Your%20Credit%20Cards" target="_blank"> <i class="icon-social-red"></i> </a> </li> <li class="item item-right"> <a href="https://web.archive.org/web/20141111160932/http://www.stumbleupon.com/badge/?url=http%3A%2F%2Ft.usnews.com%2FZ3pue3%3Fsrc=usn_su" target="_blank"> <i class="icon-social-su"></i> </a> </li> <li class="item item-right"> <a href="https://web.archive.org/web/20141111160932/http://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Ft.usnews.com%2FZ3pue3%3Fsrc=usn_li&title=3%20Strategies%20to%20Pay%20Off%20Your%20Credit%20Cards&summary=When%20you%20have%20a%20significant%20balance%20but%20insignificant%20funds%2C%20here%20are%20your%20options.&source=U.%20S.%20News" target="_blank"> <i class="icon-social-li"></i> </a> </li> </ul> </div> <script type="text/javascript"> $(".drawer_trigger").click(function() { $(this).parents('.drawer').find('.drawer_slide').slideToggle(); }); </script> </div> </header> <div class="block skin-editable"> <style type="text/css">.cms-textAlign-left{text-align:left;}.cms-textAlign-center{text-align:center;}.cms-textAlign-right{text-align:right;}.cms-custom-quote{border-left: 1px solid #eee; margin-left: 15px; padding-left: 15px; font-style: italic; font-size: 17px; line-height: 28px; color: #666;}</style><p>If your monthly to-do list includes dedicating a chunk of change to your credit card balance – or multiple balances – you’re not alone. Approximately 4 in 10 Americans carry <a class="" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/blogs/my-money/2014/06/30/5-tips-to-liberate-yourself-from-credit-card-debt" title="Link: http://money.usnews.com/money/blogs/my-money/2014/06/30/5-tips-to-liberate-yourself-from-credit-card-debt">revolving debt</a> on their credit cards, according to a 2012 survey by the National Foundation for Credit Card Counseling and the Network Branded Prepaid Card Association. And although the average debt varies by source, credit reporting agency TransUnion puts the sum at $4,878, not including zero-balance cards and retail credit cards.</p><p>There are only so many ways to pay off a credit card if you have a significant amount of debt and an insignificant amount of money. But here are the three common strategies people in your situation employ, along with what you need to know about each option.</p><p><b>Focus on the card with the highest interest rate.</b> Most financial experts say this is the way to go. Scott Halliwell, a certified financial planner at USAA, a financial services company that specializes in helping the military, speaks for many when he says: "The best move from a purely financial perspective is to attack the <a class="" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/personal-finance/slideshows/10-easy-ways-to-pay-off-debt" title="Link: http://money.usnews.com/money/personal-finance/slideshows/10-easy-ways-to-pay-off-debt">highest-interest rate cards</a> first."</p><p>It makes sense. The card with the highest interest rate is usually the one that will cause you the most financial pain. The national average interest rate on a credit card is 15.2 percent, so if you bought a $1,000 refrigerator with a credit card, you'd pay a lot in interest if you took your time paying it off. Most monthly payments are 4 percent to 5 percent of the balance, so if you're making a $40 to $50 monthly payment, you can see how things can get bad in a hurry. Only making $40 monthly payments on that $1,000 refrigerator means you’ll pay it off in 65 months and shell out $368 in interest.</p><p>So focus on paying off that high-interest credit card while at least making the minimum payments on your other cards. Once you’ve accomplished that, Halliwell says, "roll all the money you were applying to [the highest-interest card] each month to the debt with the next-highest interest rate. And so goes the process until all the debt is eliminated."</p><p><i>But beware: </i>This is a responsible approach, but it can be a slow one. If you're buried under a lot of revolving debt and <a class="" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/personal-finance/slideshows/9-ways-to-stretch-your-paycheck" title="Link: http://money.usnews.com/money/personal-finance/slideshows/9-ways-to-stretch-your-paycheck">living paycheck to paycheck</a>, you may get overwhelmed by how slowly it's taking to pay everything off. Then, like a dieter falling off the wagon, you may end up using your credit cards and adding even more revolving debt.</p><p><b>Aim for the card with the smallest balance.</b> If you're someone who likes to see progress, try what Zev Fried, a financial adviser with JSF Financial Services in Los Angeles, calls the “snowball” strategy.</p><p>It involves paying off the credit card with the smallest balance first while, of course, continuing to pay at least the minimum balance on your other credit cards. Once you’ve done that, take the extra money you now have every month and apply it to the credit card with the next-smallest balance. After that one’s finally paid off, you should have even more money to hurl at any other credit cards. Your extra money snowballs and eventually overpowers the debt on that last credit card.</p><p>"Generally, we recommend clients estimate the most expensive debt first since they will pay less interest," Fried says. "However, the snowball method's value is psychological and behavioral. It feels good to see an account at zero. This often motivates them to stick with the program and <a class="" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/personal-finance/articles/2012/11/07/how-one-woman-paid-off-80000-in-credit-card-debt" title="Link: http://money.usnews.com/money/personal-finance/articles/2012/11/07/how-one-woman-paid-off-80000-in-credit-card-debt">become debt-free</a>."</p><p>Passard Dean, an associate professor of accounting at Saint Leo University in Saint Leo, Florida, and a former employee at the credit reporting agency Equifax, also likes the snowball method. "While it may make more logical sense to attempt to pay off the card with the highest balance to save on total interest paid, we need to be cognizant of the fact that we like to accomplish short-term goals, and the card with the highest rate may not be the one with the lowest balance," he says.</p> </div> <div id="zedoContainer"></div> <hr/> <div class="pagination"> <span class="pager_curpage">1</span> <a class="pager_link" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/personal-finance/articles/2014/10/20/3-strategies-to-pay-off-your-credit-cards?page=2">2</a> <a class="pager_link next" href="https://web.archive.org/web/20141111160932/http://money.usnews.com/money/personal-finance/articles/2014/10/20/3-strategies-to-pay-off-your-credit-cards?page=2">></a> </div> <div class="ndn_embed" id="ndn-video-player-3" data-config-distributor-id="90080" data-config-site-section="ndn3_usnews_auto"></div><br/> <footer> <dl class="commalist t t-subdued"> <dt class="t-small">TAGS:</dt> <dd class="t"><a href="//web.archive.org/web/20141111160932/http://www.usnews.com/topics/subjects/credit" class="link-subdued">credit</a></dd> <dd class="t"><a href="//web.archive.org/web/20141111160932/http://www.usnews.com/topics/subjects/credit_scores" class="link-subdued">credit scores</a></dd> <dd class="t"><a href="//web.archive.org/web/20141111160932/http://www.usnews.com/topics/subjects/credit-cards" class="link-subdued">credit cards</a></dd> <dd class="t"><a href="//web.archive.org/web/20141111160932/http://www.usnews.com/topics/subjects/debt" class="link-subdued">debt</a></dd> <dd class="t"><a href="//web.archive.org/web/20141111160932/http://www.usnews.com/topics/subjects/personal_finance" class="link-subdued">personal finance</a></dd> </dl> <div class="bar block-generous"> <div id="social_screen" class="item" style="width: 125px; 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