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Step 1 of 7 · Pay Off a Credit Card

One row per card

One row per card — step 1 of 7 in Pay Off a Credit Card. Open every issuer app or PDF. Write: name, current balance, APR, minimum payment, due date.

Balance, APR, minimum, due date. Four columns. No mood column.
Balance, APR, minimum, due date. Four columns. No mood column.

Free personal finance tip: One row per card (step 1 of 7 from "Pay Off a Credit Card").

Open every issuer app or PDF. Write: name, current balance, APR, minimum payment, due date. Add store cards and 'buy now pay later' if they charge interest — they count.

Total the balances. That number is unpleasant. It is also the only honest starting line. Do not round down to feel better.

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Pay Off a Credit Card

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