{"id":17772,"date":"2022-10-05T02:25:29","date_gmt":"2022-10-04T18:25:29","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/6-ways-to-pay-off-your-credit-card-debt.html"},"modified":"2026-03-26T15:59:34","modified_gmt":"2026-03-26T07:59:34","slug":"6-ways-to-pay-off-your-credit-card-debt","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score\/6-ways-to-pay-off-your-credit-card-debt.html","title":{"rendered":"6 Ways To Pay Off Your Credit Card Debt"},"content":{"rendered":"\n

Sign up for a credit card, it\u2019ll be fun, they said! And you did, but now you\u2019re knee-deep in debt. First, let\u2019s not panic<\/strong>. Take a step back and remind ourselves why we signed up for credit cards in the first place. Credit cards do have positive attributes!<\/strong>  For example, it can help you build credit, safer to carry around, offer rewards, and can be useful in emergencies. However, most people fail to manage their finances <\/strong>when using a credit card which resulted in a pile of debt. Fret not, check out 6 ways to pay off your credit card debt in this article!<\/strong><\/p>\n

Ways to pay off your credit card debt #1: Stop using your credit card<\/strong><\/h2>\n

\"FI_payyourdebtfast-07\"
<\/strong>This is the first step you need to seriously consider. Take out your credit card from your wallet and hide it somewhere so you won\u2019t be tempted to use it. Make it a rule that you can only carry your credit card again once you\u2019ve paid off all your debt. If you have more than one credit card, consider only maintaining one that provides the best benefits and perks once you\u2019ve settled your debts and terminated the rest.<\/p>\n

Ways to pay off your credit card debt #2: Revise your expenses<\/strong>
<\/strong>
<\/strong>\"FI_payyourdebtfast-05\"<\/h2>\n

Once you\u2019ve stopped using your credit card, revise your monthly expenses to free up some cash to settle your debt. You\u2019ll need to trim your expenses and cut unnecessary spending like that T20-priced coffee you need to get first thing in the morning, app subscriptions, data storage, and pricey gym memberships.<\/p>\n

Ways to pay off your credit card debt #3: Try the debt snowball method<\/strong>
<\/strong>\"FI_payyourdebtfast-06\"<\/h2>\n

To build a snowball, one needs to gather small amounts of snow and start rolling it around –  that\u2019s how the debt snowball method works as well. You start by paying off the smallest debt and continue until all your debt is paid in full. Alternatively, you can also try the next method which is the Debt Avalanche strategy.<\/p>\n

Related: The Debt Snowball Method: How It Works And How To Use It<\/span><\/a><\/p>\n

Ways to pay off your credit card debt #4: Debt Avalanche method<\/strong>
<\/strong>\"FI_payyourdebtfast-01\"<\/h2>\n

Do you have any high-interest debt? If you do then the debt avalanche method is what you need to focus on. Here\u2019s how to pay your debt using the avalanche method:<\/p>\n

    \n
  1. List all your debt together with the total amount you owe, minimum monthly payment, and the interest rate.<\/li>\n
  2. Sort the list with the highest interest debt first and pay it off accordingly. <\/li>\n<\/ol>\n

    Ways to pay off your credit card debt #5: Balance transfer<\/strong>
    <\/strong>
    <\/strong>    \"FI_payyourdebtfast-03\"
    <\/strong><\/a>Do you own any credit card with a 0% interest rate for a certain duration like     Bank Balance Transfer Plan offered by Alliance Bank<\/a>? If you do, it’s time to utilize the balance transfer feature. Transfer all your outstanding debt to that one credit card and the best part is that you won’t have to pay interest as long as you settle your debt within the 0% interest time frame! <\/span><\/h2>\n

    Read more on how balance transfers on credit cards work, here<\/span><\/strong><\/a>. <\/p>\n

    Ways to pay off your credit card debt #6: Seek help from AKPK <\/strong><\/h2>\n

    \"FI_payyourdebtfast-04\"
    <\/strong>Another option, not most people want to consider is to seek help from Agensi Kaunselling dan Pengurusan Kredit (AKPK) or the Credit Counselling and Debt Management Agency. This agency was established by Bank Negara Malaysia (BNM) to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit. Learn how and what will happen when you seek help from AKPK in this     article<\/span><\/strong><\/a>.

    <\/p>\n

    We hope all the listed ways to pay off your credit card debt will help you to better manage your expenses and light your way out of your debt. Paying off your credit card debt can be exhausting but you need to stay committed and continue to learn how to avoid more debt in the future.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Sign up for a credit card, it\u2019ll be fun, they said! And you did, but now you\u2019re knee-deep in debt. First, let\u2019s not panic. Take a step back and remind ourselves why we signed up for credit cards in the first place. Credit cards do have positive attributes!  For example, it can help you build…<\/p>\n","protected":false},"author":268230141,"featured_media":1183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[438],"tags":[],"class_list":["post-17772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-credit-score"],"yoast_head":"\n6 Ways To Pay Off Your Credit Card Debt - CompareHero<\/title>\n<meta name=\"description\" content=\"Sign up for a credit card, it\u2019ll be fun, they said! 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Find out what you should do and what to avoid so\u2026","rel":"","context":"In "Debt & Credit Score"","block_context":{"text":"Debt & Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-credit-card-affect-credit-score.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-credit-card-affect-credit-score.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-credit-card-affect-credit-score.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-credit-card-affect-credit-score.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-credit-card-affect-credit-score.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17737,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/action-points-get-out-of-credit-card-debt.html","url_meta":{"origin":17772,"position":1},"title":"5 Ways to Avoid The Dangers Of Credit Card Debt","author":"CompareHero","date":"20 March 2019","format":false,"excerpt":"Updated: 4th September 2018 Falling into credit card debt is dangerously easy. 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You keep paying\u2026","rel":"","context":"In "Debt & Credit Score"","block_context":{"text":"Debt & Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/09\/image-1.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/09\/image-1.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/09\/image-1.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/09\/image-1.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18155,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/minimum-payment.html","url_meta":{"origin":17772,"position":3},"title":"How Credit Card Minimum Payments And Interest Are Calculated","author":"CompareHero","date":"1 March 2021","format":false,"excerpt":"A credit card gives you the convenience to purchase things without having to carry cash. 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The big question is - should we have multiple credit cards? Is it good to have multiple credit cards? 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