CutTheCard
📚 Debt Payoff Guides
Practical guides to help you understand your debt, choose a payoff strategy, and get to zero faster — all tied directly to the tools inside CutTheCard.
Debt Avalanche vs. Debt Snowball: Which Should You Choose?
Two proven methods, one right answer for your situation. See exactly how much each saves you in interest and time.
Read the guide →What an Extra $50, $100, or $200/Month Does to Your Debt
Small increases in your monthly payment have a surprisingly large effect on your payoff timeline and total interest paid.
Read the guide →How Much Does Credit Card Interest Actually Cost You?
See the real cost of carrying a balance — and what it takes to pay off $5,000, $10,000, or $20,000 at different APRs.
Read the guide →Why Minimum Payments Keep You in Debt for Decades
Paying only the minimum is the most expensive way to carry a balance. The math is more alarming than most people realize.
Read the guide →How to Download Your Credit Card Transactions (Without Linking Your Bank)
Which file format to choose, where to find it, and how to bring the transactions into CutTheCard without sharing a password.
Read the guide →Balance Transfers: When They Help and When They Don't
A 0% promotional APR sounds great — but the fee, the timeline, and what you do with the card after the transfer all matter.
Read the guide →Credit Utilization and Paying Down Credit Cards
How your balances affect your credit score, and the most effective order for paying down multiple cards.
Read the guide →CutTheCard tracks every balance in one place and builds an exact, automated payoff plan.
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