10 Ways to Pay Off Credit Card Debt

November 21, 2025 · Personal Finance

9. Avoid Taking On New Debt

Trying to pay off debt while continuing to use credit cards is like trying to empty a bathtub while the faucet is still running. Consider freezing card use temporarily, or using debit or cash.

Tools to help

Remove cards from online payment apps
Store them at home instead of in your wallet
Use prepaid spending limits

Best for: Anyone struggling with overspending habits.

A person at home makes a phone call while looking at a planner, seeking professional financial advice. — A woman smiles while talking on her phone with an open notebook, seeking professional financial guidance.

10. Seek Professional Help if Overwhelmed

If your debt situation feels unmanageable, talk to a certified credit counselor, debt attorney, or financial adviser. They can help you understand options like debt settlement or bankruptcy when necessary.

This may be the right option if