Concentrate on one credit card at a time

Buy less flowers for the ol lady

Have the payment automatically taken out your direct deposit.

Pay more than the minimum every month

Usually pay more than the minimum on each card. ☺️

Do not go with the minimum!!

Never had a credit card.

Instead of trying to pay a chunk at once I try to put a little on the amount every week (usually about 20 dollars) so by the end of the month that amount adds up

Pay towards my oldest balance but do not pay it off as it helps your credit to have old accounts

Definitely gotta save n stay focused

If already in collections don’t pay it specially full amount paying it will hurt your credit actually because they go in your report and say closed nothing positive

Depending on how large your total unsecured loans add up to, if they are under 10k pay more than the minimum. But if you have over 10k of unsecured loans, credit cards, and personal loans it might be better off to seek relief, there are a lot of relief plans that will help you navigate this by helping you settle your debts at a more manageable monthly payment or even reduce the original amount you owe. A plus to this is that you stop paying your monthly payments so you keep more money in your pocket. Note this will drop your credit score significantly. This is a tactic used by some relief plans to show you’re in financial hardship and helps with reducing your original amount in future settlement offers.

Pay in full every month is the way to go.

I would like to borrow some money.

Try to pay all in full every month

I pay all my bills first. My credit cards get paid in full before anything else

Don't use your credit cards