Last updated: 21 August 2026
Step 1: Numbers
Statement Excel me convert — debt, APR, minimums likho.
Step 2: Strategy
| Method | How. Avalanche: highest APR first (math). Snowball: smallest balance first (motivation) |
|---|
Step 3: Cut Interest
- Balance transfer 0% (guide)
- Naye spends band
Step 4-5
Pay more than the minimum and track progress (template).
Frequently Asked Questions
Q: Fastest way?
A: 0% balance transfer + extra payments.
Q: Close cards after?
A: No — keep it (credit age).
Convert your statement — free!
🚀 Open the Tool
🚀 Open the Tool