The two most effective strategies:
Debt Avalanche: Pay highest interest rate card first. Saves the most money.
Debt Snowball: Pay smallest balance first. Better for motivation (quick wins).
Also consider: balance transfer to 0% APR card, or a consolidation loan at lower rate. And do a 30-60 day spending freeze — redirect all savings to debt.
Full strategies: 5 Strategies to Pay Off Credit Card Debt
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