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I have several credit card balances. Is it better to make one large extra payment on the card with the highest balance or to make several smaller extra payments on each card?

Last Updated: March 30, 2009

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It’s generally best to try to eliminate the card with the highest interest rate. Paying off the card with the highest rate will save you more money in interest and allow you to apply those savings on other credit card balances. Each time you pay off a card, use the extra cash to apply to the next card with the highest interest rate. This strategy will help you eliminate all your credit card debt and save you money in interest.

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