Paying Off Credit Card Debt | 12 Simple Steps to Credit Card Freedom

Assess the Situation—Many individuals want to pay off their credit card debt, but don’t really have a clear picture of how much they owe, especially when outstanding balances reflect different interest rates, applied for special purchases or promotional purposes. It’s easy to lose track of a mounting balance when charging things like auto repairs, school tuition or medical expenses. Part of the reason individuals drag their heals when paying off credit cards involves the effort it takes to analyze credit accounts and assess the total financial picture.

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