There's no magic trick, but these steps genuinely speed things up.
Pay more than the minimum
Even a small fixed extra amount each month dramatically shortens payoff time because it goes straight to principal.
Stop adding new charges
It's very hard to pay down a card you keep using. Pause new spending on it while you clear the balance.
Lower your interest rate
A balance transfer to a 0% intro card, or simply asking your issuer for a lower APR, means more of each payment reduces the balance.
Use a method and automate it
Pick the snowball or avalanche method and set up automatic payments so you never miss one.
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