Is your payment date based on paying the minimum due each month??I have recently found a resource that taught me a schedule to making the most out of my payments.Step one : take your cards and write down the amount you owe.#2 write the minimum due #3 divide the amount due by the payment. this will give you a number and a ranking of which you should pay-off first. The lowest number should be first ......If you can add even $20 to that card each month, while making your other minimum payments, it will speed up the pay-off date.After paying that card off apply that to card two on your list and so-on. It has helped me. I started with 20,000 in debt and have a debt free date in 28 months.Good luck
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