If you want to pay off your credit card debt fast, you're not alone - more than half of Americans carry a credit balance over month after month. The good news? There are ways out, even if they aren’t always obvious. Keep reading to discover smart, practical steps to get on the path to becoming debt-free.
5 Clever Ways To Pay Off Your Credit Card Debt
January 16, 2025 - Genie Editor
Top 5 Offers
- Freedom Debt Relief - Get out of $20,000 or more in credit card debt
- Choice Home Warranty - Stop paying contractors upfront for home repairs until you try this!
- Insurify - Cut $1,025 From Your Car Insurance Bill — In 5 Minutes
- Kashkick - Make Money Having Fun in Your Pjs! Earn Now With KashKick!
- Nielsen Panel - Earning Money for Your Screen Time (Behind the Scenes)
1. Get out of $20,000 or more in credit card debt
Drowning in debt? Every month you wait makes it worse — more interest, more stress, and fewer options. If you’re carrying over $20,000 in credit cards, personal loans, or medical bills, it’s time to hit back.
Freedom Debt Relief could help slash what you owe and roll your debts into one low monthly payment. No upfront fees. No hidden tricks. You only pay when your debt gets resolved.
Many clients find relief in as little as 24–48 months — and the first step takes just 30 seconds. Answer a few quick questions and see if you qualify.
2. Stop paying contractors upfront for home repairs until you try this!
It might sound unbelievable, and maybe your skeptical, but your probably curious. Choice Home Warranty could help you save hundreds on home repairs!
They’ve been around since 2008, so they’re a trusted name, offering affordable plans to cover your home’s appliances and systems that might fail due to regular wear and tear. Picture this: Your air conditioning unit breaks down during a heatwave. Instead of paying $1500 for repairs, you could let Choice Home Warranty handle all your covered home repair bills. They even have a nationwide network of 25,000 plus technicians.
This could save you a lot of money in no time! Sign up for a plan here and take advantage of Choice Home Warranty's limited-time offer to lock in their low 2024 rates - even in 2025! They’ll even give you 1 month for Free! When something covered in your home breaks, simply submit a claim online or call their 24/7 customer service. Don’t miss out! Secure these special rates before they’re gone!
3. Cut $1,025 From Your Car Insurance Bill — In 5 Minutes
If you haven’t shopped around for car insurance lately, there’s a good chance you're paying too much — and your insurer is hoping you never notice.
Skip the hassle of checking dozens of sites, Insurify lets you compare quotes from top providers in one place. It’s fast, free, and users save up to $1,025 a year. Just answer a few quick questions about your car and driving history.
Insurify will show you personalized rates in minutes — no phone calls, no junk emails. Just real savings and a 4.7-star Trustpilot rating to back it up.
4. Make Money Having Fun in Your Pjs! Earn Now With KashKick!
KashKick users can make $100 or more on their first visit!
Get paid to do things that are not work! Play games like Solitaire, Board Kings, Dice Dreams and More!
Take surveys catered to you, and get paid!
1. Enter your name and email address to create your account
2. Complete your first offer to start making cash
3. Keep completing surveys and playing games on your phone or desktop
4. Get paid to do things that are not work! Play games like Solitaire, Board Kings, Dice Dreams and More!
5. Earning Money for Your Screen Time (Behind the Scenes)
Not many people are aware, but Nielsen the company famous for TV ratings—will actually compensate you for the time you spend on your phone or computer. You’ll essentially participate in a small research study by simply installing an app on your device that provides Nielsen with anonymous data on your device usage.
Not everyone is eligible ( apply here ), but if you qualify, it’s a way to earn extra cash.
6. Crush Debt Without a Second Job—Tap Your Home for Fast Cash
I get it—watching your credit card balances climb while you’re doing everything to stay afloat is exhausting. That’s where Hometap comes in: it turns your home equity into upfront cash, no loan, no monthly payments—just real relief to finally knock that debt down.
Hometap lets homeowners access their home equity without taking out a loan or making monthly payments. Instead, it offers a home equity investment—a lump sum in exchange for a share in the home’s future value. Homeowners can receive up to 25% of their home’s value (up to $600,000) and have 10 years to settle, usually by selling or refinancing.
How it works:
Check eligibility – Must own a qualifying home, have 25%+ equity, current on mortgage payments, a 500+ credit score, and live in one of these states:
AZ, CA, FL, MI, MN, NV, NY, NJ, NC, OH, OR, PA, SC, UT, VA, WA.
Request an estimate – Share basic info to get a preliminary offer.
Apply – Complete the application and schedule an appraisal ($299–$1,000).
Sign and close – Review terms and pay ~3.5% in closing costs.
Receive funds – Get cash in days.
Settle later – Repay via refinance, buyout, or home sale.
Ready to unlock your home’s potential?
Apply Now
7. Don’t Let Your Retirement Ride on Just One Bet
If all your savings are tied up in stocks, bonds, or mutual funds, your future could be exposed. Market downturns, inflation, and political uncertainty can wipe out years of progress in a matter of months.
That’s why thousands of Americans are taking a smarter path — by diversifying their retirement with physical gold and silver. Precious metals have stood the test of time, offering a reliable hedge when paper-based assets lose value.
With a Gold IRA from Goldco, you can roll over part of your 401(k) or IRA into real, tangible assets — all while maintaining the same tax advantages. It’s a practical way to add stability and long-term protection to your retirement portfolio.
But who you trust with your savings matters. Since 2006, Goldco has helped Americans protect their wealth through precious metals. We’re the only company recommended by Sean Hannity, Chuck Norris, and Ben Stein — and our track record backs it up:
- ⭐ 6,000+ verified 5-star reviews
- ✅ A+ rating from the Better Business Bureau
- 🏆 AAA rating from the Business Consumer Alliance
- 🏅 Best Customer Service – 2024
- 🚀 INC 5000 winner 8 years in a row
Right now, qualified new customers can get up to $15,000 in FREE silver when they open a Gold IRA. That’s a rare opportunity to protect your savings — and gain value from day one.
Retirement isn’t something to gamble on. Diversify today with Goldco and safeguard what you’ve worked a lifetime to build.
8. Still Paying Off Credit Cards in Your 60s or 70s? (You’re Not Alone)
Carrying credit card debt into retirement? You’re not alone. In fact, over 80% of adults 75 and older still have balances—and many feel overwhelmed trying to keep up With rising interest rates and higher living costs, even minimum payments can feel impossible on a fixed income. But there may be a way out—without taking on more debt or filing for bankruptcy.
Thousands of older Americans are using programs that negotiate directly with creditors. These services may help lower your balances and monthly payments, so you can finally breathe easier.
You Need To Have At Least $20,000 In Credit Card Debt and Live In The USA.
See Your Debt Relief Options
(Consultation is free, confidential, and no obligation. Results vary based on individual financial situations)
