Stage 3 · Tame your debt
Credit cards (handle with care)
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Pay off debt faster
A balance transfer moves high-interest debt to a 0% intro card so your payments actually shrink the balance. And before you can attack your debt, you need to see all of it — free credit monitoring gives you the full list.
Move high-interest debt to a card with a 0% intro window and every payment hits the principal, not interest. Watch the transfer fee (usually 3–5%) and have a payoff plan before the intro rate ends.
Free credit scores and a full list of your open accounts — the easiest way to make sure you've listed every debt. No card required.
Rewards cards — only if you pay in full
Read this first. Rewards only make sense if you already pay your balance in full every single month. Carry a balance and the interest wipes out every point you earn — and then some. If you're still paying off debt, skip this and come back later.
FullStack Wealth earns a small commission at no cost to you. We only recommend what we'd use.