How to clear your credit cards

Use a repayment calculator to enter the amount you are planning to pay towards each credit card balance and the interest rate for each card. You'll then be able to work out exactly how long it will take if you continue keeping up these planned repayments to completely clear your credit card debt. Of course, the more you pay off, the quicker you'll be able to pay off your credit cards.

Having an end date in mind when you will have cleared your credit card debt entirely will give you a psychological boost and something real to aim for. Plan a reward for yourself once you reach this date and you'll have something to look forward to.