[SOMEONE]

I have about $3700 in credit card debt (most of that is from dog training and two round trip flights) and I have about $1500 in a personal loan.

I also have $1400 in medical debt I’m paying for but it’s zero interest.

I’m new to all of this but I’m trying to pay as much of this down asap. Any thoughts?

I’m attempting to get in the habit of using my credit card more and immediately paying the amount off so I can actually reap the benefits.

[Mark]

I don’t think u need to be using credit cards at all. Credit card companies love ppl that think they’re going to game the system but still carry a balance and have outstanding debt.

Have an honest conversation with ur self and evaluate if u can truly do this or not. Statistically speaking Most ppl do not win at the credit card rewards game.

[Amy]

Are you tracking your spending? I would say that is the next step.

I record every expense in a free app. It makes a big difference.

You can search for 0% balance transfer credit card offers online.

[Linda]

I agree get the debt under control first and then down the line MAYBE you get into the credit card rewards game. I assume that is what you mean when you say to reap the rewards. And just FYI, most of the rewards come from opening up new cards, not the points you earn on your spending. Good for you for recognizing you need to get the debt under control. Just concentrate on that for now.

[Kay]

I don’t think you should be starting a habit of using the credit card more when you have outstanding debt.

[Author]

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