Move high-interest credit card debt to a new card offering 0% APR for an introductory period (typically 12–21 months). Pay it off before the promotional rate expires.
Credit card debt you can realistically pay off within the 0% window — usually under 2 years.
Find a 0% APR balance transfer card (good credit required).
Calculate the transfer fee (typically 3–5%) and confirm it saves money vs. current interest.
Transfer your balance and divide total owed by the months in the promo period.
Pay that fixed amount every month. Make no new charges on the card.
Aim to pay off the full balance before the 0% period ends.