Credit Card Debt: How To Manage, Consolidate and Pay Off Balances

Credit card debt management explained: compare debt management plans, consolidation loans, balance transfers and DIY payoff to pick the safest option.

See the pros and cons of credit card forbearance: it can pause payments and protect your credit, but interest keeps growing and you still owe the balance.

A credit card debt payoff calculator shows how long payoff takes and what interest costs. See worked examples by balance, APR and monthly payment.

See how a credit card hardship program works: lower APR, waived fees or reduced payments, who qualifies, how to apply and how it can affect your credit score.