What's the best way to pay off your credit card debt in a timely and productive manner??

Especially for those of us who don%26#039;t own our own home to refinance. What options are best and which are the worst and why?

What%26#039;s the best way to pay off your credit card debt in a timely and productive manner??

I%26#039;m trying to pay some cards down, so I set up autopay with my online banking to pay a certain amount every month. Of course you must select an amount the is more than your minimum payment. This way you won%26#039;t ever be late and have a late fee. Also if you get an offer of low APR for a set amount of time I%26#039;d take it, since it%26#039;s the interest that kills you. You can transfer your higher rate balances to the low APR rate card to work on paying it off. You have to be careful not to ever be late or you lose the good rate. Lastly, make up your mind not to keep charging until you get the balances down where you are comfortable.