Paying extra toward the highest APR after making all minimums can reduce interest cost under a consistent plan.
Paying extra toward the highest APR after making all minimums can reduce interest cost under a consistent plan.
A useful next step
List APRs and balances, check for promotional expirations, and avoid adding new charges that reverse your progress.
Keep the decision grounded
Check the actual account terms and a dated credit report when the issue involves reporting. No tool can guarantee a score, approval, or deletion of accurate information. Keep copies of any agreement or correction.
Explore and verify
Safesky resource: https://calculator.safeskyconsulting.com/ CFPB or FTC guidance: https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861/
Get Safesky's free credit repair guide
Build a clear plan with the DIY A-to-Z PDF.
This article is general information, not legal or financial advice. Results vary by credit profile.
