• Current balance: Total amount owed on your credit card

• Interest rate (APR): Annual percentage rate on your card statement

• Monthly payment amount: How much you plan to pay each month

• Additional payments: Any extra amounts you can apply to principal

• New charges: Whether you'll continue using the card while paying it off

• Pay more than minimum: Even $25-50 extra monthly makes a significant difference

• Stop new charges: Avoid adding to the balance while paying it down

• Pay twice monthly: Split your payment in half and pay every two weeks

• Apply windfalls: Use tax refunds, bonuses, or gifts toward the balance

• Consider balance transfer: Move to a lower-rate card if you qualify

• Reassess your budget: Look for expenses to cut and redirect to debt payment

• Increase income: Consider side work or selling items to boost payment amounts

• Negotiate with lender: Ask about hardship programs or payment plans

• Prioritize high-interest debt: Focus extra payments on cards with highest rates first

• Seek credit counseling: Get professional help if debt feels overwhelming