Total Card Manager

Top hacks & tools for paying off credit card debt.

Did you know that there are more than 1,000 different credit card rewards programs available to consumers today? With so many options out there, it can be challenging to find the best credit card for your unique financial situation and needs. If you’re trying to tackle credit card debt and want to get a jump-start on paying it off sooner, you’ve come to the right place. In this blog post, we’ll cover some of the top hacks and tools for paying off your credit card debt faster. Read on to learn more!

Hack: Log your spending

Making a habit of tracking your spending can help you better understand where your money is going and can make it easier to create a budget and stick to it. Plus, it can also make it easier to identify areas where you could cut back if you’re trying to pay off debt. Some credit card companies make it easy to log your spending right from your account online, but even if yours doesn’t, you can always try using an app like Personal Capital to track your spending.

Tool: Check Your Credit Score For Free

Credit cards are a serious financial tool and come with risk. Before you apply for any credit card, it’s smart to make sure you understand your credit score. Your credit score is based on your financial history, and it determines how likely it is that you’ll be approved for a particular credit card. The better your credit score, the easier it will be to get a higher credit limit, better interest rates on your credit card, and lower annual fees. Checking your credit score for free can also help you identify any mistakes that may be on your report and get them fixed before you apply for new credit cards.

Tool: Mint

Mint is a great tool for tracking your spending and helping you stay on top of your finances. Once you link your credit card(s) to the app, you can see exactly how much you’re spending each month on each card. You’ll also be able to see how long you’ll need to pay off each card if you don’t make any extra payments. If you want to speed up your repayment plan, you can log in and make an extra payment directly from the app. Plus, Mint offers credit score tracking, credit report monitoring, and other helpful financial tools to make your money management a breeze.

Tool: Gauss

Pay off any credit card balance using your low interest credit line from Gauss, both on-demand and automatically. Your cards get lower APR, and you pay off balances much faster. Keep using your current cards and watch your savings go up.

Tool: Goodwill

If you have credit card debt, it’s understandable to feel anxious about the process of paying it off. It can be easy to get overwhelmed by the amount that you owe and the amount of time it will take you to pay it off. One quick hack to help yourself stay positive during this time is to donate to a charity in the name of your debt. For example, if you have $10,000 in credit card debt, consider donating $100 to $1000 to a charity in the name of your debt each month.

Tool: Commit To A Paying Off Schedule

Sometimes, it can be helpful to set a schedule for paying off your credit card debt. While there isn’t a “one size fits all” approach to paying off debt, setting a specific goal and sticking to it can be a great way to stay motivated and keep yourself on track. It also helps to set a reminder on your phone, computer, or in your calendar to mark the due date of each payment.

Tools: Cash Back Apps

If you’re using a credit card to make regular payments toward a debt balance, you might be wondering how you can make that process a little easier. One way to speed up your repayment process is to use a cash back app linked to your credit card to earn extra rewards and increase the amount you’re paying off each month. Some cash back apps, like Ibotta and Honey, offer special promotions for credit card users where you can earn even more rewards for making regular purchases.


If you’re trying to pay off credit card debt, tracking your spending, setting a budget, and making regular payments toward your balance are all important steps. To speed up the process even more, try using one or more of these hacks to help you stay on track and make progress toward becoming debt-free.

October, 25 / 2022
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