Paying down credit card debt can be challenging, and it can take much longer than you want it to. Picking a credit card payment strategy and sticking to it each month can help. 1 - With the debt snowball strategy, you focus on your lowest balance first because it’s the easiest and may help you see progress. 2 - If you’d like to work on the balance with the highest interest rate first (to help save yourself money on interest), that’s called the debt avalanche method. 3 - Through credit card conso