For many households, the best return on their money is to pay down credit card debt. Whether carrying balances at 12 percent or 22 percent, credit card debt is typically the costliest debt households have.
When prioritizing your debt repayment, start with the highest-rate card first and focus on paying off the balances in descending order.
Consumers with strong credit profiles can take advantage of low credit card rates as well as zero percent, balance-transfer offers lasting 12 months or more. To shop for lower rate card offers, visit the credit card channel at Bankrate.com. You can also use Bankrate.com's debt pay-down calculator to develop a customized, month-by-month plan for repaying your debt.
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A little research could save you BIG on interest.