How do I pay off credit card debit?
479278
I agree with each of the responses ahead of me in part.  Of course you want to pay off balances quickly, particularly if they are large balances with high interest rates.  The finance chargees you're paying are just money out the window. \n\nFirst things first, hopefully your balances are not so high that you can't, at the very least, pay 50% more than the minimum required payment.  Next, look at the card generating the highest actual finance charges and increase the amount you pay on that card to double the minimum.  Start reducing other payments to 25% above the minimum, starting with the card generating the LOWEST ACTUAL finance charges.  Follow this system until your credit balances are paid.\n\nAs you go along it's good to evaluate what you're spending your money on each month.  Credit cards should only be used in emergency situations.  Personally, we use our cards for life essentials and pay off the balance each month, with some limited exceptions.\n\nOnce you've paid off your balances cut up the cards with the highest finance charge rates but do not cancel them yet.  Once you cancel a card you also lose allof the history which goes along with it but cutting up the cards limits your ability to use them.  Don't cut them all.  Save one with a low rate for use in emergencies.\n\nThe trick to minimizing credit card debt is discipline in spending and knowing what it is you're buying each time you use the card.  For every month you leave an open balance that loaf of bread, tank of gas or round of drinks gets more and more expensive.\n\nGood luck.
1137482
As a generic rule of thumb, when you start your debt pay-off snowball...\n\n1.  Cut up the cards\n2.  Pay minimum payments on all but the one with the lowest balance.\n3.  On the one with the lowest-balance, pay all that you can until it's paid off, then do the same to the next one, then the next one, so on.\n\nHowever, I, personally, would do that in the order of highest interest-rate, but I make quite a bit more than my payments need, and have lots of room to flex.\n\nDo NOT consolidate, unless you can take high-interest debt into low-interest, with no transfer fees.  The goal here is to avoid throwing unnecessary money out the window, and actually making some progress.  \n\nIf you have equity in your house, you may be able to roll your CC debt into a 2nd mortgate or HELOC (home equity line of credit), that you attack as aggressively as you possibly can until paid off.\n\nIt doesn't matter where debt is, it's still debt.  The only way to get rid of it is to throw money at it as aggressively as possible.  It may take years, so be patient.\n\nSome things that can help: garage sales, selling unnecessary stuff on eBay or elsewhere, sell a car and buy a reliable used one, spend less on living, reduce other bills like cable/satellite service, etc.  You need to make your income work for you.  In fact, it may not be a bad idea to pick up a simple evening job as a 2nd, until you pull your head above water (pizza delivery, for example).\n\nI hate to be so blunt, but it may take some serious sacrifice, on your part, to get ahead.  Your income and determination are the only things that can do this.
1141929
The best way is to get a credit card with a small limit and charge two or three things a month, like groceries and gas.  Put these items down in your checkbook like you have already paid for them so you wont get behind.  Pay off these items before the due date, credit companies really like this.  Good Luck!
314825
You should be able to cancel those debits.  You'll need to contract the companies and cancel your scheduled debit.  I would also contact your bank and see if you can block those debits too.
756299
The easiest way to do it is to apply for a new card and fill out the section of the application that deals with transferring the balance on your "old" card.  You'll have to give them your credit card number and the amount you want paid.  If you already have two cards, you may be able to pay the bill over the phone or online.  Best way to find out is to contact the company that holds the credit card you want to pay off and ask them if they'll accept another credit card for payment.  If all else fails, you may be able to take out a cash advance on the other card and use the cash to pay the bill on the card you want to pay off.
722654
I would suggest first looking at your expenses and try cutting some costs.  Try to come up with an extra 100 dollars (ex. Don't eat out as much, carpool, bring lunch to work).  \nNext take all other payments you are making to other debts and bring them down to the minimum payment.  The next step is to apply all the excess that you were paying and the extra $100 you came up with towards the credit card.  As soon as you do this you will see a significant difference in your balance. Once that card is paid off, take all that money that your were applying to the credit card and pay off your next debt.  This is a great way to quickly get out of any kind of debt.
15092
I agree with VaTreasures - the best thing you can do when using a credit card is to discipline yourself to pay off your balance on time.  If you get into a habit of not paying on time you start to acrue more and more interest fees (I know all about it).  Paying back on time will also avoid any missed payment penalties.\n\nApply for a credit card with an interest free period, this will cut down on costs.  Getting an interest free period is important.\n\nIf you are unhappy with the idea of running a credit account, then I would recommend a prepaid card or direct debit card.  Prepaid cards can be loaded with funds so you cannot overspend, which keeps your finances in good shape.  Debit cards withdraw funds from your bank account instantly when you make a purchase, again these do not require managing a credit account and help discipline your spending.\n\nMore helpful tips from round the web:
812997
close all your accounts but one in case of an emergency.  Start paying off the highest intrest rate, and the cont. down the list. if you pay 100 a moth to card a add 50 bucks, when that is paid off take the 150 you were paying to card a, and card B's payment is 100 make it 250 and you will pay off stuff quicker.   \n\nWhat is most important is not adding debt to what you already have.   By paying stuff off will help your rating
751722
Call your credit card company immediately and have that card cancelled and a new one issued.  Yes, they can take all the balance.
350891
Use Bank Of America  Keep The Change Program.\n\nThis is how it works:\n\nIf you have a debit card or a check card, use it as many times you can during the day.\nYour debit card is used when you buy something, let's say a Coffee in Starbucks it costs $3.07 if you pay with your debit card from your account it reduces $4.00 to nearest thent. And the $0.93 cents that you have left goes for another account of yourse.\n\nIf you use it daily you can earn like $500 thru $1200 a year.\nSo that's a way to invest money while you're spending it.
15292
Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
404754
You pay off one bill at a time starting with the one that has the highest interest rate.  Pay minimun on the other bills and try to pay at least double (or more if you can afford it) on the bill you are trying to pay off.  When it is paid, move on the the next highest interest rate, etc.  \n\nIf you have a lot of credit cards, decide which one you really want to keep.  The rest, as you pay off, cut them up, mail them back to the credit card company asking them to permanently close your account (otherwise, it stays as "open" on your credit rating and, even if not used, counts as available money which can prevent you from getting other loans).  Ask the company to mail you confirmation that the account has been closed.
552765
step 1. hoping u paid thru ur credit card... ask ur card company to stop the payment immediately...\n\nstep 2. write to the website u bought from.\n\nstep 3. legal action in case of no reply.
310560
That's something you have to ask your credit card company.  When you make payment, try to pay at least $5 more than the minimum due.  It will help you a bit.
287928
The bottom line is you need to know some terms before agreeing to either the credit or debit card. You should know as a minimum: \n\nCredit Cards\n1)the annual percentage rate(apr) _ The annual percentage rate--APR--is the way of stating the interest rate you will pay if you carry over a balance, take out a cash advance, or transfer a balance from another card. The APR states the interest rate as a yearly rate. )\n\n2)grace period to pay the full balance without being charged interest(The grace period is the number of days you have to pay your bill in full without triggering a finance charge. For example, the credit card company may say that you have “25 days from the statement date, provided you paid your previous balance in full by the due date.” The statement date is given on the bill. )\n\n3)if there are any fees(Most credit cards charge fees under certain circumstances eg annual fee, cash advance fee))\n\n4)how finance charges are calculated (The finance charge is the dollar amount you pay to use credit. The amount depends in part on your outstanding balance and the APR. )\n\n5)if there are any transaction charges for such things as balance transfer, late payments, cash advance, going over your limit, etc. \n\n6) Credit limit (The credit limit is the maximum total amount--for purchases, cash advances, balance transfers, fees, and finance charges-you may charge on your credit card. If you go over this limit, you may have to pay an “over-the-credit-limit fee.")\n\n\nDebit Cards\nWhen you pay with a debit card, the money is automatically deducted from your checking account. \nMany people prefer debit cards over checks for two reasons:\n\n-You don't have to carry your checkbook and present identification, but are still able to make purchases directly from your checking account. \n-You pay your bills immediately, unlike when you use a credit card and get the bill later.
1095013
From a pure mathematical standpoint, the quickest (and cheapest) way to pay off credit cards is to pay off the cards with the highest interest first.  This is because as your balance with the highest rate diminishes, the amount of interest accrued on the remaining balance diminishes as well.\n\nHowever, many advocate the "debt snowball" which endorses paying the card with the lowest balance first, then moving progressively to the next highest balance as each card is paid off.  This works for some people from a psychological standpoint because they see quicker results as each card is eliminated.  For some, it has been the only method that worked.  There is no doubt, however, that you will pay more money overall through this method, all other things being equal.  This method is most closely identified with Dave Ramsey.\n\nNegotiating with all the credit card companies for a lower interest rate is a good idea.  If they are not interested in lowering the rate, you can bluff them by threatening to transfer your balance to a lower interest card.\n\nBalance transfers are a tricky thing.  In many cases, a credit card company will assess a charge for a balance transfer.  Make sure that you read the fine print before doing this.  Also, some cards have a separate interest rate for balance transfers vs. purchases.  Do not be fooled.  Good luck!
672172
Don't know if its the same in the US - But we have a thing here called Visa Debit - has the same numbers/expiry and CCV of a credit card so try and find one of those.