cschnied

 I used to have  a Discover Card.  They sent an offer that anything bought in May (last year) got 0% financing until November.  I bought a TV on May 4 and was charged interest when I didn't pay it off.  When I called to inquire I was told that "May" didn't really mean the entire month of May.  It meant starting on May 7.  I paid the card off and cancelled immediately.  I get a piece of mail nearly every month asking me to come back.  Never.... I wish zero stars was an option.

Pick the lowest balance one first. If you have the cash, pay it off. If not, save the cash and either pay the balance or call them and offer what you do have.

Get it in writing that they will accept your offer and send them a money order (not a check - they can use that to access your bank account).

Then save some more money and go to the next lowest balance.

Or just keep paying the ones you have on time and it will take care of itself.

Get a department store credit card (JC Penney, Kohl's etc.)

They don't charge an annual fee; just be sure to pay them off every month.

Daniae21,

You need to develop a written budget every month that includes the minimum payments on all your debt. Any extra money you have should be applied to the debt with the lowest balance. When you pay it off, apply what you had been paying to that bill to your next lowest balance debt.

It is called the debt snowball and is advocated by a man named Dave Ramsey. Check out his website. He saved me.